Tax Saving Calculator
What your 80C, NPS, 80D and home-loan deductions save under the old regime, the room left in each limit, and the new regime on the same figures
Old-regime tax saved by these deductions
₹63,440
- Old regime tax
- ₹1,00,360
- New regime tax
- ₹0
- Lower on these figures
- The new regime, by ₹1,00,360
Arithmetic on your figures, not advice on what to invest in.
Limits: used and left
- Section 123 (formerly 80C) (limit ₹1,50,000)
- ₹1,30,000 used · ₹20,000 left
- Section 124 (formerly 80CCD(1B)) (limit ₹50,000)
- ₹50,000 used · ₹0 left
- Section 126 (formerly 80D): self and family (limit ₹25,000)
- ₹25,000 used · ₹0 left
- Section 126 (formerly 80D): parents (limit ₹25,000)
- ₹25,000 used · ₹0 left
At your old-regime slab, each further ₹1,000 deducted would reduce the tax by about ₹208, while room is left in a limit. Signed in, My tax year keeps these figures and adds TDS and advance tax.
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.
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How this is calculated
Formula
saving = old-regime tax with standard deduction only − old-regime tax with your deductions
With your numbers
- 1Old regime, deductions₹2,30,000
- 2Old regime taxable income₹9,20,000
- 3Old regime tax₹1,00,360
- 4Saved₹63,440
- Marginal rate with cess: 20.8%.
- The 80CCD(1) cap of 10% of salary is applied to gross salary; with basic + DA it may be lower.
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