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Income TaxIndividualNRI
Income Tax — Old Regime
Old regime tax with 80C / 80D / HRA / home-loan interest deductions, surcharge and cess. Pick the financial year you're filing for.
Your inputs
₹15,00,000
₹
₹
₹1,50,000
₹
Capped at ₹1,50,000
₹25,000
₹
Capped at ₹1,00,000
₹
From the HRA calculator
₹2,00,000
₹
Capped at ₹2,00,000 for self-occupied
₹
Result
- Taxable income
- ₹10,75,000
- Tax on slabs
- ₹1,35,000
- Rebate u/s 87A
- —
- Surcharge
- —
- Health & education cess (4%)
- ₹5,400
- Total tax payable
- ₹1,40,400
Reviewed by CA team
Want a second opinion or think this looks off? We're happy to help.
The new regime would cost ₹97,500 — saving you ₹42,900 vs the old regime at your current deductions. Switch only if you expect significantly higher deductions next year.
Assumptions
- FY 2025-26 (AY 2026-27) old regime slabs (individual, age <60).
- Statutory caps applied: 80C ₹1.5L, 80D ₹1L, home-loan interest ₹2L.
- Standard deduction of ₹50,000 applied automatically.
Breakdown of tax payable
How this is calculated
Reviewed by CA teamTaxable = Gross + Other − ₹50,000 std ded − capped(80C, ₹1.5L) − capped(80D, ₹1L) − HRA exempt − capped(home-loan int, ₹2L) − other ded Slab tax = Σ (income in band × slab rate) Rebate 87A = up to ₹12,500 if taxable ≤ ₹5,00,000 Surcharge: 10% >50L, 15% >1Cr, 25% >2Cr, 37% >5Cr Cess = 4% × (slab tax after rebate + surcharge)
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