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Select the year first — slabs, rebate, standard deduction and capital gains rates depend on the tax year.

Age-based slabs only apply under the Old Regime.

A. Income from Salary

Allowed only in the Old Regime.

Allowed only in the Old Regime.

Exemptions such as gratuity, leave encashment, commuted pension, etc. — allowed in both regimes. Standard deduction is applied automatically whenever Gross Salary is above zero.

B. Income from House Property

A flat 30% standard deduction (Sec 24(a)) is applied automatically on the rent. Old Regime: interest up to ₹2,00,000 is set off against your salary / other income even if there is no house property income. New Regime: interest is allowed only against rental income.

C. Income from Business & Profession

D. Income from Capital Gain

Long-Term Capital Gain (LTCG) on Shares/MF — taxed @12.5% over ₹1,25,000 exemption

Short-Term Capital Gain (STCG) on Shares/MF — taxed flat @20%

E. Income from Other Sources

Deduction allowed in both regimes

The only Chapter VIA deduction available in the New Regime. Limit: 14% of Basic + DA (New Regime) / 10% (Old Regime, private sector) — please enter the eligible amount.

Deductions under Chapter VIA (Old Regime only)

Section 80TTA (up to ₹10,000 of Savings Bank Interest) is applied automatically.

Estimated Tax Payable (New Regime) — FY 2026-27

₹0

Effective tax rate: 0%

A. Income from Salary₹0
B. Income from House Property₹0
C. Income from Business & Profession₹0
E. Income from Other Sources₹0
Gross Total Income (excl. Capital Gains)₹0
Less: Chapter VIA Deductions₹0
Net Taxable Income (Slab Income)₹0
D. Short-Term Capital Gain (Net)₹0
D. Long-Term Capital Gain (Net)₹0
Tax on Slab Income (before rebate)₹0
Section 87A Rebate₹0
Tax on Capital Gains (STCG @20% + LTCG @12.5%)₹0
Surcharge₹0
Health & Education Cess (4%)₹0
Total Tax Liability₹0
Enter your income and click Calculate to compare both regimes.

This calculator gives an approximate estimate based on the FY 2026-27 slabs for resident individuals, computed head-wise (Salary, House Property, Business & Profession, Capital Gains, Other Sources) the way a tax computation sheet is laid out. HRA and LTA exemptions and Chapter VIA deductions (other than NPS 80CCD(2)) are applied only under the Old Regime. Capital gains are taxed at special rates (Sections 111A/112A) and added to slab-rate tax before surcharge and cess. It does not account for marginal relief, gift-exemption rules, or every possible deduction. Please consult a chartered accountant or tax advisor before filing.

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