Your income
The new regime does not allow 80C or most other deductions, so only the standard deduction applies.
Rates as of FY 2026-27 (AY 2027-28). Slabs, standard deduction, 87A rebate, marginal relief, surcharge and cess are modelled; HRA, LTA and capital-gains rates are not. An estimate, not advice — confirm with your CA.
Estimated tax
Taxable income₹14.25 L
Income tax₹93.8K
+ 4% cess₹3.8K
Total tax₹97.5K
Effective rate6.5%
After-tax income₹14.03 L
New regime is better for you by ₹1.13 L/yr.
Advance tax instalments (15 Jun / Sep / Dec / Mar)
15%
₹14.6K
45%
₹29.3K
75%
₹29.3K
100%
₹24.4K