Deduction-Stack calculator (old regime)
Old-regime only. Each line is capped at its statutory limit; the total feeds straight into the Regime Optimiser so you can see whether stacking deductions actually flips the winner for you.
Stack total (old regime)
₹0
Open this stack in the optimiser to see whether it flips your regime winner.
Open in Regime Optimiser →How we calculate this
Source: Income Tax Department — 2026-27 bracket schedule.
Last reviewed:
| Band | Rate |
|---|---|
| 0 – 150,000 | s.80C cap ₹1,50,000 |
| 0 – 50,000 | s.80CCD(1B) cap ₹50,000 |
| 0 – 100,000 | s.80D combined cap ₹1,00,000 |
| 0 – 200,000 | s.24(b) cap ₹2,00,000 |
- s.80C — investments (LIC, PF, ELSS, principal, etc.)[s.80C]₹0
- s.80CCD(1B) — additional NPS[s.80CCD(1B)]₹0
- s.80D — health insurance premiums[s.80D]₹0
- s.24(b) — home-loan interest (self-occupied)[s.24(b)]₹0
- s.80TTA / 80TTB — bank interest[s.80TTA / s.80TTB]₹0
- s.80E — education-loan interest[s.80E]₹0
- s.80G — donations (qualifying amount)[s.80G]₹0
- s.80GG — rent paid (no HRA)[s.80GG]₹0
- s.80U / 80DDB — disability / specified illness[s.80U / s.80DDB]₹0
- Stack total₹0
NOT financial advice - seek advice from a professional for your specific situation
Read the matching guide: Old vs new regime →
Last reviewed: