Eswari Guduru
Guduru Anantha Eswari Rajeswari · AMFI MFD ARN-309076
AP Kotak Securities INZ000200137 · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796
Investment Proposal
Old vs New Tax Regime Calculator FY2026-27

Old vs New Tax Regime Calculator India FY2026-27

Old vs New Tax Regime

Enter your salary and all deductions. Get the exact tax under both regimes and a clear recommendation — with the rupee difference.

The Most Important Financial Decision for Salaried Employees in 2026

From FY2024-25, the New Tax Regime is the default. But for salaried employees with home loans, HRA, NPS, and 80C investments, the Old Regime can still save ₹50,000–₹2 Lakhs/year. This calculator takes every applicable deduction and tells you exactly which regime saves more — and by how much. One number, clear answer.
Your Salary Components
Actual rent paid to calculate HRA exemption under Old Regime
Old Regime Deductions
Maximum: ₹1,50,000
Self+family: up to ₹25,000. With parents (senior): up to ₹50,000 additional
Max ₹2,00,000 for self-occupied. Not available under New Regime.
Additional ₹50,000 over 80C. Also available under New Regime.
Max ₹10,000 on savings/RD interest. Not in New Regime.
Disclaimer: Tax calculations are based on FY2026-27 slabs (per Finance Act 2025, unchanged in Budget 2026; the Income Tax Act, 2025 applies from 1 April 2026). Standard deduction of ₹75,000 (New Regime) and ₹50,000 (Old Regime) applied automatically. 80CCD(1B) NPS deduction applicable under both regimes. HRA exemption calculated as per Section 10(13A). This tool is for planning purposes only — actual tax liability may differ. Consult a qualified CA for filing advice. Note: Any investment action taken based on tax analysis should account for the fact that Mutual Fund investments are subject to market risks. Past performance is not indicative of future results. ARN-309076 (MF distribution services only).
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Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations based on FY2026-27 slabs — consult a CA for personal advice.