Tax & Investment Planner
Compare the old and new regimes for FY 2026-27, track your deductions against their caps, and see your remaining tax-saving headroom. Private to your browser.
A planner for figures you enter. Estimates, not advice. Stays in your browser.
₹91,000
the cheaper regime
₹97,500
costs more
₹6,500
by choosing the better regime
₹1,000
vs TDS already paid
Old vs new regime
| Metric | Old regimeCheaper | New regime |
|---|---|---|
| Gross total income | ₹15.00 L | ₹15.00 L |
| Deductions | ₹6.25 L | ₹75,000 |
| Taxable income | ₹8.75 L | ₹14.25 L |
| Tax before rebate | ₹87,500 | ₹93,750 |
| Rebate 87A | ₹0 | ₹0 |
| Surcharge | ₹0 | ₹0 |
| Cess | ₹3,500 | ₹3,750 |
| Total tax | ₹91,000 | ₹97,500 |
The regime with the lower total tax is the one worth choosing.
Your income & deductions
Deductions (old regime)
Deductions mostly apply under the old regime; the new regime only allows the standard deduction.
Tax-saving headroom (old regime)
- 80C (ELSS, PPF, EPF, life premium…) · 80C₹1.50 L / ₹1.50 L
₹0 left
- 80D (health insurance) · 80D₹25,000 / ₹1.00 L
₹75,000 left
- 80CCD(1B) (NPS, extra) · 80CCD(1B)₹50,000 / ₹50,000
₹0 left
- Home loan interest · 24(b)₹2.00 L / ₹2.00 L
₹0 left
Using your remaining 80C / 80D / NPS headroom could cut your old-regime tax by up to ₹15,600.
What to do
- The old regime is cheaper for yousaves ₹7k vs new
- Health cover premium up to ₹75k more (80D)deductible + protection
Key dates
- Investments under 80C / 80D / 80CCD(1B) · for FY 2026-2731 Mar 2027
- Advance tax — 4th instalment · salaried & others15 Mar 2027
- ITR filing (non-audit) · AY 2027-2831 Jul 2027
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. ICICI Prudential Mutual Fund, at no extra cost to you.
Tax-saving ELSS funds count toward your 80C limit and stay invested for growth.
Not tax advice. An educational estimate for a salaried individual under the rules for FY 2026-27, as of 2026-07-12 — verify against the current Finance Act. It simplifies surcharge and some exemptions. Consult a professional before filing. Your data stays in this browser.
Start investing in mutual funds
Open a free account with ICICI Prudential AMC and start an SIP online. · ICICI Prudential Mutual Fund, at no extra cost to you.