Tier-2 widget · Tax Desk
Tax Regime Optimizer
Enter your salary + current deductions. We compare old vs new regime for FY 2025-26 (AY 2026-27) and surface the exact deduction headroom you have left — and the tax it would save if you filled it.
Income
CTC excluding employer EPF & gratuity
Min of: HRA received, 50% basic (40% non-metro), or rent paid − 10% basic
Leave Travel Allowance, professional tax, etc.
Old-regime deductions (current)
PPF + ELSS + EPF + LIC + tax-saver FD + home-loan principal
Health insurance premium for non-senior family
Health insurance premium for parents only
NPS Tier-1 voluntary contribution
Self-occupied property only
Old regime · tax payable
₹2,41,800
On taxable income ₹14,00,000 (after ₹50K std ded, ₹50,000 other deductions)
New regime · tax payable
₹97,500
On taxable income ₹14,25,000 (only ₹75K std ded)
Verdict
New regime saves ₹1,44,300 for your inputs.
Old regime is usually better when you have 80C/80D/HRA/home-loan deductions adding up to ₹3L+. New regime wins when total deductions are below ₹2-2.5L, since the higher slabs + ₹12L rebate offset the lost deductions.
Fill-the-gap analysis · old regime
You can save up to ₹1,24,800 more
At your marginal rate of 30% + 4% cess, each ₹1 of unused deduction headroom saves you 31.2 paise. Headroom you have left:
| Section | Examples | Room left | Tax saved if filled |
|---|---|---|---|
| Section 80C | PPF, ELSS, EPF, LIC, tax-saver FD, home-loan principal | ₹1,00,000 | ₹31,200 |
| Section 80D (self/spouse/kids) | Health insurance premium for yourself & family | ₹25,000 | ₹7,800 |
| Section 80D (parents) | Health insurance premium for parents | ₹25,000 | ₹7,800 |
| Section 80CCD(1B) | Additional NPS contribution (over and above 80C) | ₹50,000 | ₹15,600 |
| Section 24(b) | Home loan interest, self-occupied property | ₹2,00,000 | ₹62,400 |
Investments listed are examples of instruments that qualify under each section — not recommendations. Read the MF methodology or consult a SEBI-RIA before choosing specific products.
Math basis: FY 2025-26 / AY 2026-27 slabs. Standard deduction: ₹50K old / ₹75K new. 87A rebate: zero tax up to ₹5L taxable (old) / ₹12L taxable (new). Cess: 4% Health & Education on tax. Surcharge above ₹50L taxable not yet modelled — add manually if applicable.
Excludes employer NPS (80CCD(2) is treated as out-of-CTC), Section 80E (education loan interest), Section 80G (donations), Section 80U (disability), and surcharge brackets. For those, use the full Tax calculator.