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.
Tax Regime Comparison Calculator
Compare old and new regime income tax for FY 2025-26 / AY 2026-27 using your ordinary salary income and eligible deductions.
Inputs
Stress-test the old vs new regime decision under your specific deduction profile. 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
Did this result help you decide what to do?
Save & share this scenario
Bookmark these inputs, copy a link, or send the result to someone.
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
Explore a relevant next step. Check the inputs and assumptions when moving to another calculator.
Check loan affordability using your regular pay
Enter regular monthly pay after payroll deductions; exclude one-off bonuses before assessing a loan budget.
Walk through the old-vs-new regime comparison
See the slab-by-slab breakdown that produced the verdict above.
Could this take-home fund early retirement?
Estimate what remains after expenses and debt payments before setting a retirement contribution.
Like this calculation?
Save it to your account so you can revisit it anytime, or share the scenario with someone who needs to see it.
At a glance
- What it does
- Computes tax under both old and new regimes at AY 2026-27 slabs, applies your eligible deductions, and reports the lower tax or a tie.
- What determines the result
- The result depends on income, rebates and eligible deductions. There is no single deduction threshold that determines the better regime for everyone.
- What's different vs salary-tax
- Both pages use the same calculation and show annual tax and average monthly income after tax. They do not model every payslip deduction.
- Best used for
- Comparing tax for FY 2025-26. Verify the rules for a later income year before applying this result.
How It Works
See how your inputs are used to calculate the result.
- Gross taxable income is reduced by the applicable standard deduction and eligible deductions.
- Tax is then applied using the corresponding slab structure and cess assumptions.
- The lower final tax outgo determines the better regime.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- This page uses the same AY 2026-27 assumptions as the salary calculator.
- Assumes a resident individual under 60. Surcharge, special-rate income and employer NPS deductions are excluded.
- Standard deduction is limited to eligible salary after exemptions. Monthly figures average annual income after tax; payroll deductions and bonus timing are not modeled.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Can the old regime still win?
Yes, especially if you claim strong HRA, 80C, 80D, and home-loan deductions.
Why do many salaried users prefer the new regime now?
Because it is simpler and often competitive when deductions are modest.
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.
What to do next
Related guides
Long-form explainers that put the math behind this tool in context.
Guide4 min
NPS Tax Benefit: Old vs New Regime for FY 2025-26
NPS deductions for FY 2025-26 / AY 2026-27: personal contributions, the 10% vs 14% employer limit, and a corrected ₹15 lakh salary example.
Guide9 min
Salary Structuring for Maximum Take-Home in 2026
Budget 2025 made the new regime even sharper for AY 2026-27. Here's how to choose the right regime and how to structure your CTC for maximum legal in-hand salary.
Guide5 min
Employer NPS under Section 80CCD(2): Limits and Take-home Trade-off
FY 2025-26 employer NPS limits, eligible salary, the separate retirement-contribution cap and a worked example showing tax saved versus cash pay lost.
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.
Methodology · Corrections · Terms · Privacy