Your details
Section 87A rebate
Applied automatically once your taxable income falls under the year's threshold. Check this if part of your income is taxed at special rates — like long-term or short-term capital gains — since a 2023 amendment means 87A no longer covers tax on those, regardless of your total income.
Available in both regimesOld + New
Usually capped at 10% of basic salary (14% for government employees). Enter the amount you're eligible for — this is the one deduction the new regime still allows.
Old-regime deductions and rebates
Investments and insurance
Typically ₹25,000 for you and your family under 60, or ₹50,000 if either of you is a senior citizen — enter your actual eligible premium.
Housing and loans
Not sure of your HRA exemption? Work it out
Actual HRA received₹0
Rent paid − 10% of Basic+DA₹0
40% of Basic+DA₹0
Exemption (lowest of the three)
₹0
Not receiving HRA as part of your salary? A different deduction (80GG) may apply — not covered by this calculator.
No cap by law.
Other income-linked deductions
Up to ₹10,000 below 60, or ₹50,000 at 60 and over — the cap follows the age category you picked above.
Comparing regimes takes a moment.
Old regime
₹0
total tax payable
New regime
₹0
total tax payable
What if?
Old regime: ₹0 · New regime: ₹0
The breakdown
How this compares across years
| Year | Old regime | New regime |
|---|
Same income and deductions, held fixed — only the year changes. Deduction rules (like the new-regime standard deduction) changed across these years, which is why totals aren't perfectly parallel even though your inputs didn't.
Not tax advice. This estimates liability from published slab structures — it doesn't account for every deduction, exemption, marginal-relief edge case, or surcharge nuance (tier-by-tier marginal relief above ₹50L, for instance, is simplified here). Deduction caps reflect general rules; actual eligibility can vary by individual circumstances. FY 2025-26 figures are the newest in this build and worth confirming independently. Check everything against the Income Tax Department or a qualified CA before filing.