Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 9 September 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
Salary Tax Calculator India
Compare old and new regime tax for FY 2025-26 / AY 2026-27. See annual tax, average monthly income after tax, and whether your eligible deductions change the result. Actual payslips also depend on payroll deductions and bonus timing.
Inputs
This compares old and new regime outcomes using AY 2026-27 slab assumptions. Enter gross salary before income tax, excluding employer PF and gratuity provisions in CTC. Monthly results average annual income after tax; actual payslips also reflect payroll deductions and bonus timing.
Average monthly income after tax (new regime)
₹1,47,333
New regime wins
The lower slab rates and higher standard deduction beat your current deduction stack.
Don't force deductions just to chase the old regime unless they fit your wider plan.
Gross income
₹19.5L
Old regime tax
₹2.9L
New regime tax
₹1.8L
Annual difference
₹1,05,040
Tax savings the winning regime delivers each year.
Average monthly after tax (old)
₹1,38,580
Average monthly after tax (new)
₹1,47,333
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Benchmarks
If you chose the old regime instead
+6.3%You
₹1.5L
Benchmark
₹1.4L
New regime wins by ₹1,05,040/yr.
If 80C is fully used (₹1.5L)
You
₹1.5L
Benchmark
₹1.5L
No additional income-tax saving in the best regime from increasing 80C to ₹1.5L with these inputs.
If you claimed zero deductions
You
₹1.5L
Benchmark
₹1.5L
This is what the new regime effectively assumes.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
The new regime wins by simplicity
Lower slab rates and the larger standard deduction beat your current deduction stack.
Annual saving vs old
₹1,05,040
Next best actions
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Walk through the old-vs-new regime comparison
See the slab-by-slab breakdown that produced the verdict above.
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At a glance
- What it does
- Estimates annual tax and average monthly income after tax under both regimes for AY 2026-27. Equal tax is reported as a tie.
- AY 2026-27 slabs
- New regime: 0-4L free, 4-8L at 5%, 8-12L at 10%, 12-16L at 15%, 16-20L at 20%, 20-24L at 25%, 24L+ at 30%. Standard deduction up to ₹75k, limited to eligible salary.
- Typical output
- For a resident under 60 with ₹24L salary, no bonus or other income, ₹1.5L 80C, ₹25k 80D and ₹1.8L HRA: old-regime tax ₹4,27,440; new-regime tax ₹2,92,500; annual difference ₹1,34,940 including cess.
- Best used for
- Comparing ordinary salary tax for FY 2025-26. Check the applicable rules before using this estimate for a later income year.
How It Works
See how your inputs are used to calculate the result.
- Gross income = salary + bonus + other taxable income.
- Old regime taxable income subtracts standard deduction and eligible deductions you enter.
- Standard deduction is limited to eligible salary after applicable exemptions; other income does not create salary deduction headroom.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- This calculator uses AY 2026-27 personal slab assumptions published in official Budget 2025 documents and Income Tax Department summaries.
- Assumes a resident individual under 60. Surcharge, special-rate income and employer NPS deductions are excluded.
- Monthly results average annual income after tax, including bonus and other income. Payroll deductions and payment timing are not modeled.
- Users should verify final filing positions with current law and a tax professional.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why might the old regime still win?
If you claim meaningful deductions like 80C, 80D, HRA exemption, and home-loan interest, the old regime can still produce a lower tax bill.
Why might the new regime win?
The new regime has lower slab rates and a larger standard deduction for salaried taxpayers, which often beats the old regime when deductions are limited.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
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Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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