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Quick estimates for FY 2025–26 (AY 2026–27). For a precise computation, we prepare and double-check your actual return — with an optional CA review before filing.

Old vs New regime

Annual gross income (₹)

Are you salaried? (adds standard deduction)

Deductions for OLD regime (₹) — 80C, 80D, HRA, home-loan interest, etc.

The new regime ignores most deductions (only the standard deduction applies).

Tax — Old regime—

Tax — New regime—

You save—

—

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FY 2025–26 figures. New-regime slabs: nil up to ₹4L, then 5/10/15/20/25/30% to ₹24L+; full rebate up to ₹12L taxable income; ₹75,000 standard deduction. Old-regime slabs: nil to ₹2.5L, 5% to ₹5L, 20% to ₹10L, 30% above; rebate up to ₹5L taxable; ₹50,000 standard deduction. Includes 4% cess and surcharge above ₹50L. This is an estimate — your CA confirms the exact figure.

HRA exemption

Basic salary + DA, per year (₹)

HRA received, per year (₹)

Rent paid, per year (₹)

City

Actual HRA received—

Rent − 10% of basic—

50%/40% of basic—

Exempt HRA—

—

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Exempt HRA is the least of: actual HRA received; rent paid minus 10% of basic; and 50% of basic (metro) or 40% (non-metro). HRA exemption applies under the old regime only.

Listed equity / equity MF

Total buy value (₹)

Total sell value (₹)

Holding period

Capital gain—

Type—

Taxable after exemption—

Tax payable—

—

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For listed equity & equity mutual funds (FY 2025–26, post 23 Jul 2024): LTCG taxed at 12.5% on gains above the ₹1.25L yearly exemption; STCG at 20%. Plus 4% cess. Debt, property, gold and unlisted shares are taxed differently — a CA will handle those.