Default regime
- Estimated tax
- ₹97,500
- Income tax ke baad monthly income
- ₹1,16,875
- Represented total income
- ₹14,25,000
- Effective tax rate
- 6.50%
Editable assumptions ke saath regime comparison
₹15 Lakh Salary par Old vs New Regime
Disclosed ₹2.25 lakh old-regime deduction scenario ke saath comparison.
Seedha answer
Disclosed deductions ke saath estimated default-regime tax ₹97,500 hai, aur represented optional-old-regime inputs par ₹1,87,200 hai.
₹1.5 lakh Section 123/Schedule XV, ₹50,000 eligible own NPS aur ₹25,000 self/family medical insurance diya gaya hai.
Worked-example age assumption: the static optional-old-regime result uses the regular below-60 slab table. If you are 60–79 or 80+, choose the matching age category in the interactive calculator below.
Optional old regime
- Estimated tax
- ₹1,87,200
- Income tax ke baad monthly income
- ₹1,09,400
- Represented total income
- ₹12,25,000
- Effective tax rate
- 12.48%
Related salary-tax examples
Apne facts se match karne wala result choose karne se pehle nearby salary levels compare karein.
Calculation sequence
Gross income → salary standard deduction → represented total income → slab tax → rebate ya marginal relief → surcharge → 4% cess.
Result kyun change ho sakta hai
Yeh deductions example hain, automatic entitlement nahin. Sirf eligible aur documented amount use karein.
Interactive
Example ko apni actual deductions se replace karein
Income Tax Calculator (Tax Year 2026-27)
Compare old and default regimes for Tax Year 2026-27 under the Income-tax Act, 2025 as amended by Finance Act, 2026.
Scope: salary or other normal-rate income only. Use the capital-gains, crypto or other specialist calculator for special-rate income, winnings, losses or treaty positions.
Lower Tax in This Entered ScenarioNew Regime is lower by ₹89,700 in this estimate
New Regime: Lower Estimate
New Regime Has the Lower Estimate
You save ₹89,700 in annual tax under the New Regime.
Monthly Tax Difference₹7,475/mo
Component
New Regime (FY 26-27)
Old Regime
Gross Annual Salary / Income₹15,00,000₹15,00,000
Standard Deduction-₹75,000-₹50,000
Entered deductions & exemptions₹0-₹2,25,000
Net Taxable Income₹14,25,000₹12,25,000
Base Income Tax₹93,750₹1,80,000
Tax Rebate (Section 156 / legacy Section 87A)-₹0-₹0
Marginal rebate relief-₹0₹0
Surcharge after marginal relief₹0₹0
Health & Education Cess (4%)₹3,750₹7,200
Total Annual Tax Liability₹97,500₹1,87,200
Monthly Income After Tax Only₹1,16,875₹1,09,400
The lower figure is not personal regime advice. The comparison uses only the inputs shown and excludes payroll deductions, capital-gain details, losses, treaty positions, and unmodelled exemptions.
Gross Income vs Estimated Income Tax (New Regime)
Live BreakdownGross Salary₹15,00,000
Income After Tax Only
₹14,02,50094%
Total Tax Payable
₹97,5007%
Official statutory sources
Income Tax Department · Government of India
FAQ
Kya yahi amount bank mein credit hoga?
Nahin. Yeh gross represented income se sirf estimated income tax minus karta hai. Payroll deductions alag hain.
Kya assumptions change kar sakte hain?
Haan. Neeche income, residence, employment type aur represented deductions editable hain.
Kya yeh filing ya legal advice hai?
Nahin. Yeh cited Tax Year 2026-27 rules par planning illustration hai. Filing se pehle official utility aur facts verify karein.