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Compare the New and Old tax regimes side-by-side. Includes Sec 87A rebate, marginal relief, and 4% cess. For AY 2026-27.
Adjust values — results update instantly
Income
Changing this auto-sets Basic (40%) and HRA (20%)
Typically 40–50% of CTC. Max: ₹10,00,000
From employer payslip. Max: ₹7,00,000
Annual rent paid (0 if living in own house)
Interest, dividends, freelance income, etc.
City Type
Deductions
(Old Regime only — ignored under New Regime)Age Group
Combined limit ₹1,50,000
Limit ₹25,000
Self-occupied property limit ₹2,00,000
Deductible in both regimes (typically 10% of basic)
Additional NPS deduction — Old Regime only, limit ₹50,000
Donations, education loan interest, etc.
New Regime
Total Tax Payable
₹0
Effective rate: 0.00%
Old Regime
Total Tax Payable
₹84,760
Effective rate: 7.06%
| New Regime | Old Regime | |
|---|---|---|
| Standard Deduction | ₹75,000 | ₹50,000 |
| Other Deductions | ₹0 | ₹3,05,000 |
| Taxable Income | ₹11,25,000 | ₹8,45,000 |
| Sec 87A Rebate | −₹52,500 | — |
| Marginal Relief | — | — |
| 4% Cess | ₹0 | ₹3,260 |
| Total Tax | ₹0 | ₹84,760 |
| Effective Rate | 0.00% | 7.06% |
⚠️ Indicative only. Surcharge (applicable above ₹50L), AMT, and specific exemptions are not included. Standard deduction: ₹75,000 (New) / ₹50,000 (Old). Rebate: Sec 87A FY 2025-26. Consult a CA or chartered accountant before filing.