The one question every filing season. Enter your income and your deductions — see your tax both ways for FY 2026-27, and which regime actually keeps more in your pocket.
Leave an email or a number — either one works — and Archita will follow up with a plain-English read on what these figures mean for you. No spam. No drip campaigns.
The new regime has lower slab rates but lets you claim almost nothing — no 80C, no HRA, no home-loan interest (just the ₹75,000 standard deduction). The old regime has higher rates but you subtract all those deductions first.
Rule of thumb: if you genuinely claim a lot — HRA, a home loan, a maxed-out 80C — the old regime can still win. If your deductions are thin, the new regime almost always wins. This calculator just runs both and tells you.
For FY 2026-27, the new regime taxes at 0 / 5 / 10 / 15 / 20 / 25 / 30% across ₹4L-wide bands from ₹4 lakh up to ₹24 lakh. We subtract the standard deduction, apply the Section 87A rebate (income up to ₹12 lakh pays nothing in the new regime), then add 4% health & education cess.
The old regime uses its unchanged 0 / 5 / 20 / 30% slabs, subtracts your deductions plus the ₹50,000 standard deduction, rebates income up to ₹5 lakh, and adds the same 4% cess.
This is an estimate, not a filing. It covers salaried incomes up to ₹50 lakh, so it leaves out surcharge (which kicks in above ₹50 lakh), capital-gains rates, and less-common exemptions. Your actual return may differ.
Picking a regime is really a year-round planning decision, not a March scramble. Talk to Archita — funds to wealth is a sub-brand of a tax consultancy, so this is home turf.