Tax Saver
Old regime or new?
Compare both regimes on your own salary and deductions, including the section 87A rebate and the marginal relief that applies just above the ₹12 lakh threshold.
Your salary and claims
FY 2026-27 (AY 2027-28)
Old regime deductions only
The new regime wins
Save ₹89,700 a year
Salaried employees may switch regime each year, so this is worth rechecking whenever your rent, loan or investments change materially.
old regime
Total tax
₹1,87,200
12.5% effective rate
new regime
BetterTotal tax
₹97,500
6.5% effective rate
What this tool does not model
- ·Surcharge on very high incomes is not applied, so figures above roughly ₹50 lakh understate the liability.
- ·HRA exemption must be worked out separately and entered — it depends on your rent, salary structure and city.
- ·Assumes an individual below 60 with salaried income. Senior citizen slabs and business income differ.
- ·Capital gains are taxed under separate rules and are not included here.
Before you act on any of this
WealthSense publishes financial education, not financial advice. We are not a SEBI-registered investment adviser and nothing here is a recommendation to buy or sell any security. Every calculator uses an assumed rate of return that is illustrative only — real returns vary and can be negative. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Tax figures follow published slabs for the current financial year and ignore surcharge and individual circumstances. Please consult a qualified adviser before making decisions with your money.