# Old Tax Regime Calculator FY 2026-27 with HRA, 80C, 80D > Old tax regime calculator for FY 2026-27 with HRA, 80C, 80D, NPS, home-loan interest and 80TTA, slab by slab, plus what the new regime would charge. Source: https://trykosh.com/tools/old-tax-regime-calculator Free tool - Income tax # Old tax regime calculator with all deductions Claim every deduction the old regime allows and see your tax slab by slab, side by side with what the new regime would charge for the same income. Rules checked 25 October 2026Free - no sign-upRuns in your browser Tax under the old regime INR 1,46,640 INR 12,220 a month - effective rate 9.8% Deductions claimed**INR 4,05,000** Taxable income**INR 10,95,000** New regime instead**INR 97,500** Gross income INR 15,00,000 − Standard deduction INR 50,000 − HRA exemption - 10(13A) INR 1,80,000 − 80C investments - 80C (s.123) INR 1,50,000 − Health insurance - 80D (s.126) INR 25,000 Taxable income INR 10,95,000 Tax on slabs INR 1,41,000 \+ Health & education cess (4%) INR 5,640 Total tax INR 1,46,640 Slab by slab, before rebate and cess Slab Rate Tax INR 0 - INR 2.5 lakh 0% INR 0 INR 2.5 lakh - INR 5 lakh 5% INR 12,500 INR 5 lakh - INR 10 lakh 20% INR 1,00,000 Above INR 10 lakh 30% INR 28,500 The new regime would cost INR 49,140 less for these numbers. ## Upload your statement and Kosh does this for you. Upload a bank statement or salary slip and Kosh works out your tax under both regimes from your real numbers, finds the deductions you're missing and reminds you before every deadline. [Start free](/signup?via=tool-old-tax-regime-calculator) ## How the old tax regime calculator works The old regime is still available to anyone who chooses it. It has fewer, steeper slabs: nothing up to INR 2.5 lakh, 5% to INR 5 lakh, 20% to INR 10 lakh and 30% above, with higher exemptions for people aged 60 to 79 (INR 3 lakh) and 80 and over (INR 5 lakh). In exchange it allows a long list of deductions. The calculator applies each with its legal cap: INR 50,000 standard deduction; HRA exemption by the three-limb formula; 80C up to INR 1.5 lakh; your own NPS under 80CCD(1B) up to INR 50,000; 80D health insurance up to INR 25,000 for your family and INR 25,000 or INR 50,000 for parents; home-loan interest on a self-occupied home up to INR 2 lakh; 80TTA savings interest up to INR 10,000; 80E education-loan interest without a cap; and eligible donations. The 87A rebate in the old regime covers tax only when taxable income is INR 5 lakh or less, worth up to INR 12,500, with no marginal relief above it. Taxable income = gross income − INR 50,000 − HRA − 80C − 80CCD(1B) − 80D − 24(b) − 80TTA − 80E − 80G ## Worked example: Vikram, INR 16 lakh with a home loan Vikram lives in his own flat, so he has no HRA, but he pays INR 2 lakh a year in home-loan interest. He fills 80C, puts INR 50,000 into NPS and has a INR 25,000 health policy. His deductions total INR 4.75 lakh and his old-regime tax is INR 1,56,000. The new regime would still charge less: INR 1,13,100, so he'd save INR 42,900 by switching. Tax under the old regime INR 1,56,000 INR 13,000 a month - effective rate 9.8% Deductions claimed**INR 4,75,000** Taxable income**INR 11,25,000** New regime instead**INR 1,13,100** Gross income INR 16,00,000 − Standard deduction INR 50,000 − 80C investments - 80C (s.123) INR 1,50,000 − Own NPS contribution - 80CCD(1B) (s.124) INR 50,000 − Health insurance - 80D (s.126) INR 25,000 − Home-loan interest - 24(b) INR 2,00,000 Taxable income INR 11,25,000 Tax on slabs INR 1,50,000 \+ Health & education cess (4%) INR 6,000 Total tax INR 1,56,000 The new regime would cost INR 42,900 less for these numbers. [Load this example into the calculator ->](?salary=1600000&basic=800000&hra=0&rent=0&ccd1b=50000&homeLoan=200000#calculator) ## Good to know - Proofs matter in the old regime: rent receipts, the landlord's PAN for rent above INR 1 lakh a year, premium receipts and the home-loan interest certificate. - Home-loan principal counts inside the INR 1.5 lakh 80C limit, not on top of it. - 80D is capped separately for you and for your parents, and includes up to INR 5,000 for preventive health check-ups. - Professional tax is deductible from salary in the old regime but not in the new one. ## Frequently asked questions What are the old regime slabs for FY 2026-27? Below 60: nil to INR 2.5 lakh, 5% to INR 5 lakh, 20% to INR 10 lakh and 30% above. Aged 60 to 79: nil to INR 3 lakh, then the same. 80 and over: nil to INR 5 lakh, 20% to INR 10 lakh and 30% above. 4% cess applies, and surcharge above INR 50 lakh goes up to 37%. Is the old regime being abolished? Not for FY 2026-27. It remains an option you can choose, though it is no longer the default. The Income-tax Act, 2025 kept both regimes. Can I claim both HRA and home-loan interest? Yes, if you pay rent where you live and the house you own is elsewhere or not yet ready for possession. You need genuine rent payments and the home-loan certificate; claims for the same city are scrutinised more closely. How much tax does 80C actually save? It depends on your slab. A full INR 1.5 lakh saves INR 7,800 at 5%, INR 31,200 at 20% and INR 46,800 at 30%, including cess. In the new regime it saves nothing. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.