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Old vs new regime for FY 2025-26 and FY 2026-27.
Financial year
Budget 2026 kept FY 2025-26 slabs, rebate and cess unchanged for FY 2026-27
Your age
Including HRA and allowances, before any exemption
Interest, net rent, freelance income
For your income, the better choice is
The new regime
It saves you ₹70,595 a year (₹5,883 a month).
New regime
Lower tax₹1,50,800
8.4% of income, ₹70,595 less
Old regime
₹2,21,395
12.3% of income
Compare your income tax under the old and new regimes for FY 2025-26 and FY 2026-27, with the standard deduction, section 87A rebate, surcharge and 4% cess applied.
New regime: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%. Rebate makes tax nil up to ₹12L taxable
Old regime (below 60): 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30%. Rebate up to ₹12,500 when taxable income is ₹5L or less
Standard deduction ₹75,000 (new) / ₹50,000 (old). Cess 4% on tax plus surcharge
Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.