Free · AY 2026-27 (FY 2025-26)

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Old vs new regime compared for you, with your tax or refund updating as you type
Salary, house property, freelancing (44ADA), business (44AD), interest and capital gains
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Personal info

Age on 31 March 2026

Residential status

Director in a company / holds unlisted shares (affects ITR form) Has foreign assets or foreign income Business income under normal provisions (books of account, not presumptive)

Salary

Gross salary (Form 16, Part B)

Basic + DAFor HRA and 80CCD(2) limits

HRA received

Rent paid (year)

Other exempt allowances (old regime)e.g. LTA u/s 10(5)

Professional tax paidOld regime only, max ₹2,500

Rented house is in Delhi, Mumbai, Kolkata or Chennai (50% HRA limit)

House property

Home-loan interest, self-occupiedOld regime: max ₹2,00,000

Rent received, let-out

Municipal tax paid, let-out

Home-loan interest, let-out

Business & profession (presumptive)

44AD turnover – digital receiptsMin. 6% is income

44AD turnover – cash receiptsMin. 8% is income

44ADA gross receipts (profession)Min. 50% is income

Income declared (if higher)

Other sources

Savings bank interest

FD / RD / deposit interest

Dividend

Other income

Agricultural incomeAbove ₹5,000 needs manual check

Capital gains (net, after set-off)

STCG on listed shares / equity MF (111A, 20%)

Other STCG (slab rate)

LTCG on listed shares / equity MF (112A)₹1,25,000 exempt, then 12.5%

Other LTCG (112, 12.5%)

Tax saving – both regimes

Employer NPS contribution 80CCD(2)Max 14% (new) / 10% (old) of basic + DA

Old regime only

80C / 80CCC / 80CCD(1)Max ₹1,50,000

80CCD(1B) – own NPSMax ₹50,000

80D – self, spouse, children

80D – parents

80E – education-loan interest

80G – donations (eligible amount)

Other VI-A deductions

Parents are senior citizens (80D limit ₹50,000)

80TTA (₹10,000 on savings interest) or 80TTB for seniors (₹50,000 on deposit interest) is applied automatically in the old regime.

Taxes already paid (Form 26AS / AIS)

TDS on salary

TDS on other income

TCS

Advance tax

Self-assessment tax

Tax summary – updates as you type

New regime₹0

Old regime₹0

Detailed computation

Slab-rate tax

Computed for a resident individual under the Income-tax Act, 1961 as amended by the Finance Act, 2025 (FY 2025-26 / AY 2026-27). Interest u/s 234A/B/C, fee u/s 234F, capital-loss set-off, carry-forward of losses, agricultural income and DTAA relief are not computed. Always tie the final figures to the ITD utility / AIS before filing.

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