| Salary | New regime | Old, no claims | Old, 80C + 80D |
|---|---|---|---|
| Tax on ₹5 lakh | ₹0 | ₹0 | ₹0 |
| Tax on ₹7 lakh | ₹0 | ₹44,200 | ₹0 |
| Tax on ₹8 lakh | ₹0 | ₹65,000 | ₹28,600 |
| Tax on ₹10 lakh | ₹0 | ₹1,06,600 | ₹70,200 |
| Tax on ₹12 lakh | ₹0 | ₹1,63,800 | ₹1,11,800 |
| Tax on ₹12.75 lakh | ₹0 | ₹1,87,200 | ₹1,32,600 |
| Tax on ₹15 lakh | ₹97,500 | ₹2,57,400 | ₹2,02,800 |
| Tax on ₹18 lakh | ₹1,50,800 | ₹3,51,000 | ₹2,96,400 |
| Tax on ₹20 lakh | ₹1,92,400 | ₹4,13,400 | ₹3,58,800 |
| Tax on ₹25 lakh | ₹3,19,800 | ₹5,69,400 | ₹5,14,800 |
| Tax on ₹30 lakh | ₹4,75,800 | ₹7,25,400 | ₹6,70,800 |
| Tax on ₹50 lakh | ₹10,99,800 | ₹13,49,400 | ₹12,94,800 |
| Tax on ₹1 crore | ₹29,25,780 | ₹32,00,340 | ₹31,40,280 |
Tax payable including cess. The last column claims the whole 80C pool and the under-60 health insurance limit. Your own deductions decide which regime is lower for you.
Rates as per Union Budget 2026 (no change to rates) · Income-tax Act, 2025 · verified 2026-08-13. Figures apply to tax year 2026-27. The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026 and renumbers sections; rates are unchanged. This tool is an estimate, not tax advice.