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Income Tax Department & Section 87A Precision Modeler
India New vs. Old Tax Regime & In-Hand Salary Calculator
Compare your exact tax liability under the New Tax Regime (₹75,000 Standard Deduction + Zero Tax up to ₹7.75 Lakhs via Section 87A) vs. the Old Tax Regime (Section 80C, 80D Mediclaim, HRA Exemption, and Home Loan Interest).
Load Salary Profile:
CTC & Deduction Inputs
AY 2026-27
EPF, PPF, ELSS, LIC
Health insurance
Recommended Regime
Choose New Tax Regime
Annual Tax Savings
Save ₹36,400
⚡ New Tax Regime
Default
₹1,35,200 Tax
Includes ₹75k Standard Deduction + 4% Cess.
In-Hand: ₹1,13,733 / mo
🏛️ Old Tax Regime
₹1,71,600 Tax
Includes 80C, 80D, HRA & ₹50k Std Deduction.
In-Hand: ₹1,10,700 / mo
The Indian Tax Breakeven Threshold:
Under your current deductions of ₹3,55,000, the New Tax Regime saves you ₹36,400/year because the lower slab rates outweigh your Old Regime exemptions.