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Old vs new tax regime calculator (FY 2026-27)

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add your salary and the deductions you can claim. See the tax in both regimes and which one saves you more.

FY 2026-27 slabs for a resident individual under 60. Estimate; confirm on the Income Tax portal.

Common questions

Which regime is better?

The one with the lower tax for your deductions. The calculator compares both.

Can I switch regimes every year?

Salaried people can choose each year. Business income has stricter rules.