If your taxable income (after deductions) is between ₹4–24 lakh and you don’t claim many exemptions, the new regime often wins — it has lower slab rates and simpler filing. (See tables below.) Income Tax India+1

If you have large deductions (big 80C, home loan interest, HRA, medical/LTA, etc.), the old regime can still be better — always compare with numbers. Use the calculator below to compare exact totals.

Quick snapshot: Slabs (official)

New regime (for AY 2026-27 — i.e. FY 2025-26) — use this column when building your page’s “snapshot” table. (Official CBDT / Income Tax Department table.) Income Tax India

• Up to ₹4,00,000 — Nil
• ₹4,00,001 – ₹8,00,000 — 5%
• ₹8,00,001 – ₹12,00,000 — 10%
• ₹12,00,001 – ₹16,00,000 — 15%
• ₹16,00,001 – ₹20,00,000 — 20%
• ₹20,00,001 – ₹24,00,000 — 25%
• Above ₹24,00,000 — 30%. Income Tax India

Old (legacy) regime — rates for individuals (normal slab structure) — show this too for comparison (official). Typical: up to ₹2.5L nil, 2.5–5L 5%, 5–10L 20%, >10L 30%. (Use Income-Tax Dept. tables for exact variants for seniors, etc.). Income Tax India

Important extras to show on page: health & education cess 4% on tax+ surcharge (official) and surcharge slabs (10% / 15% / 25% / 37% at high incomes). Income Tax India

How to use this article (brief)

1. Read the slab tables.
2. Use the calculator (below) — enter taxable income (post-deductions) for each regime and compare totals.
3. If your tax under the old regime is lower by a meaningful margin, keep old; otherwise choose new for simplicity.

3 worked examples (show on page as “real numbers”)

(Calculator assumes taxable income — i.e., income after deductions. No additional special rebates applied.)

Example A — Taxable income ₹6,00,000

• New regime: tax = (₹6,00,000 − ₹4,00,000) × 5% = ₹10,000 → + 4% cess = ₹10,400 (total). Income Tax India
• Old regime: tax = 5% on (₹6,00,000 − ₹2,50,000) = ₹32,500 → + 4% cess = ₹33,800 (total). Income Tax India
  Result: New regime wins for this sample.

Example B — Taxable income ₹12,00,000

• New: tax = (₹8L–4L → 5% of 4L = ₹20k) + (₹12L–8L → 10% of 4L = ₹40k) → total tax ₹60,000 → + cess 4% → ₹62,400. Income Tax India
• Old: tax = calculated by old slabs → tax ≈ ₹1,72,500 → + cess → ₹1,79,400. Income Tax India
  Result: New regime is cheaper here too (assuming comparable deductions).

Example C — Taxable income ₹25,00,000

• New: tax (per new slabs) ≈ ₹3,30,000 → + cess → ₹3,43,200. Income Tax India
• Old: tax (per legacy slabs) ≈ ₹5,62,500 → + cess → ₹5,85,000. Income Tax India

Note: Examples above assume no special rebates or deductions. Real households often have 80C, HRA, home-loan interest, etc. — you must compare with your actual taxable income.

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