Which regime costs you less for FY 2026-27? Enter your salary and what you actually claim, and see both computed side by side.
Most Indian employers set Basic between 40% and 50%.
50% of Basic is typical in metros, 40% elsewhere.
Leave at 0 if your employer does not offer corporate NPS.
12% is the statutory rate.
What you claim under the old regime
The new regime ignores all of these except employer NPS, which is why raising them only ever helps the old side.
Drives the HRA exemption under 10(13A).
Your PF already fills part of the ₹1.5L cap.
Better for you
New regime
on these numbers
You save a year
₹64.5 K
₹5.4 K a month
Total deductions claimed
₹4.85 L
under the old regime
₹1.51 L
tax for the year
₹2.15 L
tax for the year
FY 2026-27 slabs, with the 87A rebate (including marginal relief), surcharge and 4% cess. Surcharge marginal relief is not modelled, which only affects taxable income above ₹50L.
FinPlan keeps your real salary, loans, goals and investments in one place, and shows which regime wins as your deductions actually change through the year.
The new regime has lower slabs and a larger standard deduction, but allows almost nothing else. The old regime taxes you at higher rates and then lets you subtract HRA, 80C, 80D, NPS and home-loan interest first. So the old regime wins only once you genuinely claim enough — and claiming here means money actually spent or invested, not the cap.