₹12 lakh salary par new regime me kitna tax lagega?

Zero. FY 2026-27 me new regime ke tahat ₹12 lakh tak ki taxable income par Section 87A rebate ke kaaran koi tax nahi lagta. Old regime me isi salary par full 80C ke saath bhi lagbhag ₹1.17 lakh tax banta hai.

🧾 Income Tax Calculator

Confused between old and new tax regimes? Our income tax calculator computes your tax under both regimes for FY 2026-27 and tells you which one saves you more money.

📅 Last updated: October 2026

Income Tax Calculator

FY 2026-27 (AY 2027-28): Old vs New Regime — kaunsa better?

Annual gross salary

₹0₹1 crore

80C deduction (max ₹1.5L)

₹0₹1.5 lakh

80D deduction (health insurance)

₹0₹1 lakh

HRA exemption

₹0₹10 lakh

Aapke liye betterNew Regime

New Regime tax₹0

Old Regime tax₹1,11,800

Bachat₹1,11,800

Taxable income (new / old)₹11,25,000 / ₹9,75,000

FY 2026-27 (AY 2027-28) slabs. New regime me 80C/80D/HRA nahi milta. Slabs Budget ke saath badal sakte hain — filing se pehle verify karein.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Old vs New Regime kaise choose karein?

Salary aur apne deductions (80C, 80D, HRA) dalein. Calculator dono regimes me 4% cess ke saath tax nikal kar batata hai ki kaunsa regime sasta padega. New regime me ₹12 lakh tak 87A rebate se zero tax hota hai.

How to Use

Enter your gross annual salary/income.
Add 80C, 80D and HRA deductions (for old regime).
The calculator shows tax under both regimes side-by-side.
Pick the regime with lower tax.

Formula

New regime FY 2026-27: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%. Rebate: income up to ₹12 lakh pays zero tax (₹12.75L for salaried with standard deduction).

Old regime: 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30% — with 80C/80D/HRA deductions.

💡 Example

Example: ₹12 lakh salary, no deductions → new regime: ₹0 tax (rebate), old regime: ~₹1.73 lakh. New regime wins clearly here.

Salary-wise comparison: Old vs New Regime (FY 2026-27)

Neeche FY 2026-27 ke slabs par based comparison hai — old regime me full ₹1.5L 80C deduction + ₹50k standard deduction assume kiya gaya hai (4% cess included):

Annual Salary	Old Regime Tax	New Regime Tax	Kaun behtar?
₹8 lakh	₹33,800	₹0	New regime
₹12 lakh	₹1,17,000	₹0	New regime
₹15 lakh	₹2,10,600	₹97,500	New regime
₹20 lakh	₹3,51,000	₹1,92,400	New regime

📋 Rates as per FY 2026-27 — verify on incometax.gov.in.

Note: ₹12 lakh tak ki income par new regime me zero tax lagta hai (Section 87A rebate). Old regime sirf tab jeet-ta hai jab aapke paas 80C ke alawa bade deductions hon — jaise HRA + home loan interest milakar ₹3-4 lakh+. Deductions na hon to new regime lagbhag hamesha behtar hai.

FAQs — Income Tax Calculator

If you claim large deductions (80C, HRA, home loan interest), old regime may win. Otherwise new regime's lower slabs + rebate usually wins. Our calculator compares both.

For FY 2026-27, resident individuals with income up to ₹12 lakh pay zero tax under the new regime (₹12.75 lakh for salaried including standard deduction).

Salaried individuals can switch every year. Business owners who opt out of new regime face restrictions on switching back.

Yes — slabs and rebate reflect Budget 2025 provisions for FY 2026-27 (AY 2027-28).

Zero. FY 2026-27 me new regime ke tahat ₹12 lakh tak ki taxable income par Section 87A rebate ke kaaran koi tax nahi lagta (salaried ke liye ₹12.75 lakh tak, standard deduction sahit). Old regime me isi salary par full 80C ke saath bhi ~₹1.17 lakh tax banta hai.

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