Income tax: purana regime ya naya?Income tax calculator: old vs new regime

Apni income daalo, dono regime ka tax ek saath dekho, aur kaun sa sasta hai wo bhi.Enter your income and see the tax under both regimes side by side, and which one costs less.

SaalYear

Saal ki kul income (₹)Total income for the year (Rs)

Salary hai?Salaried?

UmarAgeDeductions: 80C, 80D wagairah (sirf purana regime)Deductions such as 80C and 80D (old regime only)

New regime

Lower

₹97,500

Taxable income: ₹14,25,000
Tax on slabs: ₹93,750
Rebate: ₹0
Surcharge: ₹0
Cess 4%: ₹3,750

Old regime

₹2,10,600

Taxable income: ₹13,00,000
Tax on slabs: ₹2,02,500
Rebate: ₹0
Surcharge: ₹0
Cess 4%: ₹8,100

Naya regime ₹1,13,100 bachata hai.

The new regime saves ₹1,13,100.

FY 2026-27: Budget 2026 ne slabs nahi badle. Capital gains jaise special rate wali income is mein shaamil nahi.FY 2026-27: Budget 2026 left the slabs unchanged. Income taxed at special rates, such as capital gains, is not included.

Kaise kaam karta haiHow it works

Naye regime mein ₹12 lakh tak ki taxable income pe tax zero, rebate ki wajah se.Under the new regime, taxable income up to Rs 12 lakh is tax-free because of the rebate.
Salaried ko standard deduction: naye mein ₹75,000, purane mein ₹50,000.Salaried people get a standard deduction: Rs 75,000 new, Rs 50,000 old.
80C, 80D jaise deductions sirf purane regime mein milte hain.Deductions like 80C and 80D count only under the old regime.

Sawaal jawabQuestions people ask

Kya ₹12 lakh tak tax nahi lagta?Is income up to Rs 12 lakh really tax-free?

Naye regime mein haan, taxable income ₹12 lakh tak. Salaried ko ₹75,000 standard deduction bhi milta hai, isliye ₹12.75 lakh salary pe tax zero. Special rate wale capital gains pe ye rebate nahi lagta.Under the new regime, yes, for taxable income up to Rs 12 lakh. Salaried people also get Rs 75,000 standard deduction, so Rs 12.75 lakh of salary pays nothing. The rebate does not cover capital gains taxed at special rates.

Budget 2026 mein kya badla?What changed in Budget 2026?

Slabs mein kuch nahi. FY 2025-26 aur FY 2026-27 dono mein same rates. 1 April 2026 se naya Income Tax Act 2025 laga, par rates wahi rahe.Nothing on slabs. FY 2025-26 and FY 2026-27 use the same rates. The Income Tax Act 2025 took effect on 1 April 2026 without changing them.

Kaun sa regime lena chahiye?Which regime should I choose?

Agar deductions kam hain to aam taur pe naya. Bahut saare deductions hain to purana jeet sakta hai. Upar dono ka number dekh ke faisla karo.With few deductions the new regime usually wins; with large ones the old can. Compare both numbers above before choosing.

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