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bullstocks.in
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FY 2026-27 tax under both regimes, side by side.
Estimate only. Verify against the latest Finance Act and your Form 16 before filing.
| New regime | Old regime | |
|---|---|---|
| Gross income | ₹18,00,000 | ₹18,00,000 |
| Standard deduction | ₹75,000 | ₹50,000 |
| Other deductions | ₹0 | ₹1,75,000 |
| Taxable income | ₹17,25,000 | ₹15,75,000 |
| Tax on slabs (after 87A) | ₹1,45,000 | ₹2,85,000 |
| Surcharge | ₹0 | ₹0 |
| Health & education cess (4%) | ₹5,800 | ₹11,400 |
| Total tax | ₹1,50,800 | ₹2,96,400 |
| Monthly take-home (approx.) | ₹1,37,433 | ₹1,25,300 |
New regime slabs: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%; no tax up to ₹12 lakh taxable income (₹12.75 lakh for salaried) via the 87A rebate. The old regime allows 80C, 80D, HRA and home-loan deductions. 4% cess applies; surcharge above ₹50 lakh. Resident individuals below 60; special-rate income (capital gains) excluded.
For education only. Returns are assumptions, not guarantees.
