Salary & tax · Tax Year 2026–27
Tax regime comparison
Compare old and new regime tax using the same gross salary. Start with salary alone; add only deductions and exemptions you can actually claim.
New regime estimates lower tax
₹2,00,200
₹16,683 monthly difference · annual tax saving shown
Salary before employee deductions. If you came from the CTC calculator, use its gross cash pay—not CTC.
Add old-regime deductions and exemptions
Enter only eligible deductions and exemptions beyond the standard deduction. WorkPaisa applies the standard deduction automatically; do not enter it again here.
PF, eligible life insurance, tuition, principal and investments. Capped at ₹1.5 lakh.
Your eligible NPS contribution beyond 80C. Capped at ₹50,000.
Eligible self/family and parent amounts. WorkPaisa caps the combined input at ₹1 lakh.
Use the exemption already calculated from salary, rent and city rules—not total HRA or rent.
Eligible section 24(b) interest; capped here at ₹2 lakh.
Only add amounts not included above. Eligibility and statutory limits remain your responsibility.
1 · Your answer
New regime estimates lower tax
₹2,00,200
₹16,683 monthly difference · annual tax saving shown
2 · Side-by-side tax
Visual comparison
Annual tax under each regime
Shorter is better. The exact taxable-income calculation remains below.
Old regime
- Taxable income
- ₹17,50,000
- Annual tax
- ₹3,51,000
New regime
- Taxable income
- ₹17,25,000
- Annual tax
- ₹1,50,800
3 · What changes the answer
WorkPaisa applied ₹0 of entered old-regime deductions. Common caps are applied to 80C, extra NPS, health insurance and self-occupied home-loan interest. HRA must already be an eligible exemption amount.
Assumes a resident salaried individual with salary-only income. It includes applicable rebate, surcharge, marginal relief and 4% cess. It excludes special-rate income, broader house-property calculations, business income, AMT and treaty relief. This is an indicative comparison, not tax-filing advice.
Sources: Union Budget 2026 memorandum, Budget 2026 tax FAQs, and Income-tax Act, 2025 section 19.
4 · What you may want to know next