FY 2025-26 (AY 2026-27) UPDATED

Find the tax regime that saves you
more money

Answer 10 simple questions and get your personalized tax recommendation in 5 minutes.

✓ 100% Free
✓ No Signup
✓ Instant Results
✓ Zero Data Collection

Your Tax Savings Preview

You can save up to

₹78,540

by choosing the New Tax Regime

Old Tax Regime

₹12,45,780

Total Tax Liability

VS

New Tax Regime

₹11,67,240

Total Tax Liability

Potential Savings ₹78,540
💡

This is just a preview. Get your detailed breakdown after answering a few simple questions.

Why choose TaxRegime?

01

Personalized for You

Our smart algorithm analyzes your income, investments & deductions to find your best tax regime.

02

Maximize Your Savings

We compare both old and new tax regimes to show you the option that puts more money in your pocket.

03

100% Secure & Private

Your data stays private. We don't store or share any of your personal information.

04

Expert Backed

Our calculations are based on the latest tax laws & rules for FY 2025-26 (AY 2026-27).

"TaxRegime helped me save over ₹1.2 lakh by choosing the right tax regime. Super easy and reliable!"

Rahul

Rahul Sharma

Salaried Employee

Trusted by thousands of smart taxpayers

1,00,000+

Calculations Done

₹250 Cr+

Total Tax Savings

4.9/5

User Rating

100%

Free to Use

How it works

1

Answer 10 Simple Questions

Tell us about your income, investments & expenses.

2

We Do the Math

Our smart calculator analyzes both tax regimes for you.

3

Get Your Results

See your tax liability comparison and potential savings.

4

Choose & Save

Pick the regime that saves you more and file with confidence.

₹78,540

Stop guessing. Start saving.

Find out which tax regime is better for you in just 5 minutes

No Signup No Charges Instant Results
₹
Step 1 of 10

How much money do you receive in your bank account every month?

This is the amount after all deductions — PF, tax, professional tax. Check your bank statement if unsure.

₹ / month

How old are you?

Your age affects the tax slabs under the Old Regime.

Does your company deduct anything from your salary?

Look at your payslip. Check which of these are deducted.

PF / Provident Fund

A savings deduction, usually 12% of basic

Professional Tax

A small state tax, usually ₹150–₹200/month

Do you live in a rented house or apartment?

This affects your tax benefit on rent under the Old Regime.

Are you repaying a home loan?

Interest on home loans gives you a major tax benefit.

Do you or your family have health insurance?

Include only the premium you personally pay, not employer-provided insurance.

Self & Family

Insurance for you, your spouse, and children

Parents

Insurance for your parents

Are you investing money to save tax?

These 80C investments reduce your taxable income under the Old Regime.

₹
₹
₹
₹
Your Total 80C: ₹0

Maximum benefit allowed is ₹1,50,000

Do you invest in NPS?

National Pension System offers tax benefits beyond 80C.

My employer contributes

Section 80CCD(2)

I personally contribute

Section 80CCD(1B)

Do you earn any money from savings or fixed deposits?

Even small amounts of interest are technically taxable.

Up to ₹10,000 is tax-free in the Old Regime.

₹ / year
₹ / year

Ready to see your tax breakdown?

We've calculated your exact tax under both regimes based on FY 2025-26 rules.

🎉

Click "Calculate Results" to view your personal tax verdict.

LIVE TAX ESTIMATE

(Updates as you answer)

Estimated Gross Salary

₹ -- / year

Income Tax Calculator

FY 2025-26 (AY 2026-27)

FY 2025-26 (AY 2026-27)
🏆

Recommended for You

You save

₹78,884

per year by choosing the New Regime.
👑 New Regime Wins

Tax Regime Comparison

Comparison for FY 2025-26 (AY 2026-27)

All amounts in ₹

New Regime (FY 25-26)

Old Regime (FY 25-26)

Gross Income
₹ --
₹ --
Total Deductions
₹ --
₹ --
Taxable Income
₹ --
₹ --
Tax on Income
₹ --
₹ --
Rebate u/s 87A
₹ --
₹ --
Total Tax Payable
₹ --
₹ --

Total You Save

₹78,884

per year by choosing New Regime

🐷

More in Hand

6.62%

increase in take home salary

Take Home Salary Comparison

₹14L ₹10L ₹8L ₹6L ₹4L ₹2L ₹0
₹11.79L

New Regime

₹11.00L

Old Regime

📋 Detailed Deductions Breakdown

Deduction Section New Regime (₹) Old Regime (₹)
Standard Deduction ₹75,000 ₹50,000
HRA Exemption ₹0 ₹0
Section 80C (PPF, LIC, ELSS) ₹0 ₹0
Section 80D (Health Insurance) ₹0 ₹0
NPS Contribution ₹0 ₹0
Professional Tax ₹0 ₹0
Home Loan Interest (Section 24) ₹0 ₹0
Total Deductions ₹75,000 ₹50,000

Insight: The New Regime offers lower tax rates and higher standard deduction, resulting in more take home salary for you.

📊
TaxRegime
📚 Resources

Tax Regime Resources

🧾

Tax Basics

Fundamentals

⚖️

Regimes

Old vs New

💰

Tax Savings

Deductions

🏆

Rebate 87A

Zero Tax

📊

Tax Slabs

FY 2025-26

❓

FAQ

Questions

🧾

Tax Basics

🏠

What is Income Tax?

A portion of annual earnings paid to government for public services.

YOU
TAX
💰

Taxable Income

Total income minus deductions.

₹12L − ₹75K = ₹11.25L
📉

Standard Deduction

Automatic deduction for all salaried employees.

New Regime₹75,000
Old Regime₹50,000
⚖️

Tax Regime Comparison

🏛️ Old Tax Regime

  • ✓ Tax rates up to 30%
  • ✓ 70+ deductions allowed
  • ✓ 80C, HRA, 80D applicable
  • ✓ Best if investments > ₹3.75L

🆕 New Tax Regime

  • ✓ Lower tax rates (max 25%)
  • ✓ No deductions allowed
  • ✓ Higher standard deduction
  • ✓ Zero tax up to ₹12L
Feature
Old Regime
New Regime
Tax Rates
High
Low
80C Deduction
✅ Allowed
❌ Not Allowed
HRA
✅ Allowed
❌ Not Allowed
💰

Ways to Save Tax

📜

Section 80C

Max ₹1,50,000

Save
₹45,000
🏥

Section 80D

Max ₹75,000

Save
₹22,500
👴

NPS (80CCD)

Max ₹50,000

Save
₹15,000
🏠

HRA

Varies

Save
₹60,000
🏆

Section 87A Rebate

₹0
Tax
🆕

New Regime

Zero tax up to
₹12,00,000
🏛️

Old Regime

Zero tax up to
₹5,00,000
📊

Tax Slabs FY 2025-26

🆕 New Regime

₹0 - ₹4L0%
₹4L - ₹8L5%
₹8L - ₹12L10%
₹12L - ₹16L15%
Above ₹24L30%

🏛️ Old Regime

₹0 - ₹2.5L0%
₹2.5L - ₹5L5%
₹5L - ₹10L20%
Above ₹10L30%
❓

Frequently Asked Questions

Q: Which regime should I choose?
A: If deductions > ₹3.75L → Old Regime. Otherwise → New Regime saves more!
Q: Do I need to invest to save tax?
A: Only in Old Regime. New Regime gives lower rates automatically!
Q: What is Section 80C?
A: Deduction up to ₹1,50,000 via PPF, ELSS, LIC, EPF, etc.