Regime Optimiser — old vs new
Enter your income for TY 2026-27; we compute tax under both regimes, apply 87A (with marginal relief in the new regime), and tax special-rate income (equity LTCG/STCG and crypto/VDA) separately under both. The winner and the deduction breakeven appear below.
Result
Old regime
₹0
New regime
₹0
Breakeven: old regime ties the new regime at ₹0 of total deductions.
How we calculate this
Source: Income Tax Department — 2026-27 bracket schedule.
Last reviewed:
| Band | Rate |
|---|---|
| 0 – 400,000 | 0% |
| 400,000 – 800,000 | 5% |
| 800,000 – 1,200,000 | 10% |
| 1,200,000 – 1,600,000 | 15% |
| 1,600,000 – 2,000,000 | 20% |
| 2,000,000 – 2,400,000 | 25% |
| 2,400,000 – and above | 30% |
New regime — step by step
- Normal-slab income ₹0 − standard deduction ₹75,000[s.115BAC]₹0
- Slab tax (new regime)[s.115BAC]₹0
- 87A rebate (income ≤ ₹12,00,000) — slab tax reduced to nil[s.87A]-₹0
- Health & education cess (4%)₹0
- Total tax — new regime₹0
Old regime — step by step
- Normal-slab income ₹0 − standard ded. ₹50,000 − Ch.VI-A deductions ₹0[Old regime]₹0
- Slab tax (old regime, age band below60)[Old regime]₹0
- Health & education cess (4%)₹0
- Total tax — old regime₹0
NOT financial advice - seek advice from a professional for your specific situation
Read the matching guide: Old vs new regime →
Last reviewed: