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Compare old vs new income tax (India salaried)

See which regime likely leaves more annual cash after income tax + cess for the same gross — old side can include PF in 80C, other 80C, and HRA exemption you type in. This is a planning estimate only: no surcharge, no proofs, no Form 16 match.

Content reviewed: March 2026FY 2025–26 (AY 2026–27) tax slabs in engineRules aligned: Union Budget 2025 — new regime slabs & Section 87A (≤₹12L taxable); cess 4%

How SalaryExit calculates estimates (methodology, FY scope, and limits).

Reality check

Most people don’t feel “tax regime” in the abstract — they feel rent, EMIs, and whether anything is left at month-end. This screen only answers which regime taxes your salary harder in our simplified model. If old regime wins here but you hate collecting proofs, that’s a real-life cost this math ignores.

New regime often looks clean until you remember you’re not modeling full HRA, home loan, or NPS the way your CA would. Use the result as a directional nudge, then talk to someone qualified before locking declarations for the year.

“Is this salary enough?” — real city scenarios

Same Salary Reality Check engine, fixed rent + lifestyle story per page — jump in and edit the numbers.

Not tax filing advice

Use this only as a planning estimate. Actual tax depends on proofs, employer calculations, and other income.

Outputs are annualized estimates — see the accuracy card for regime limits in this engine.

Required inputs

  • Annual gross salary (₹)
  • Optional: employee PF (annual) for old-regime 80C cap
  • Optional: other 80C (annual)
  • Optional: HRA exemption (annual) — typically for old regime context

Counted toward the 80C cap in the old-regime path.

Optional. If you are not claiming HRA in old regime, leave 0.

Enter gross salary (and optional deductions) to compare regimes.

Assumptions used by this estimate

  • Uses Financial Year 2025-26 (AY 2026-27) slab tables configured in code.
  • Section 87A rebates are simplified (old: up to ₹12,500 when taxable ≤ ₹5,00,000; new: full rebate when taxable ≤ ₹12,00,000 in this model).
  • Surcharge, marginal relief, perquisites, and alternate minimum tax are not modeled.

Worked example (same engine as live calculator)

Engine snapshot: gross ₹18,00,000/year, employee PF ₹1,50,000, other 80C ₹0, HRA exemption ₹2,00,000. Estimated total tax + cess: old regime ₹2,41,800, new regime ₹1,50,800 (simplified model; not filing output).

FAQ

Should I choose the regime with lower tax here?

Not automatically. This tool ignores many real-world factors. Your employer’s regime choice, deductions, and long-term plans matter.

Why doesn’t this match Form 16?

Form 16 uses actual TDS, proofs, and payroll timing. This is an annualized simplified model.

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