New vs old regime, side by side — in seconds.
Enter your gross salary, other income, 80C, 80D, HRA and NPS. Vybe Money computes your tax under both the new and old regimes for FY 2025-26, including 87A rebate, surcharge with marginal relief and 4% cess.
Education only · not investment advice
FY 2025-26 new regime, at a glance
Slabs (new regime): 0% up to ₹4L, 5% ₹4–8L, 10% ₹8–12L, 15% ₹12–16L, 20% ₹16–20L, 25% ₹20–24L, 30% above ₹24L. Standard deduction of ₹75,000 for salaried. The 87A rebate makes tax effectively zero up to ₹12L taxable income (₹12.75L gross for salaried). NPS employer contribution under 80CCD-2 remains deductible.
Old regime still wins for many
If you claim 80C (₹1.5L), 80D (up to ₹75K), 80CCD-1B (₹50K NPS), HRA exemption and home loan interest, the old regime often produces lower tax at ₹15–25L salary. Vybe Money's calculator runs both regimes in parallel and highlights the one that saves you more — no manual switching required.
Surcharge and marginal relief
Surcharge kicks in at ₹50L taxable income (10%), ₹1Cr (15%), ₹2Cr (25%) and, under the old regime only, ₹5Cr (37%). Marginal relief ensures your total tax cannot exceed the income above the threshold. Vybe Money applies this correctly so you don't over-plan for a "jump" that isn't actually there.
Capital gains (post-July 2024)
Equity LTCG is 12.5% above a ₹1.25L exemption; equity STCG is 20%. Other assets (debt funds bought after April 2023, gold, real estate) are taxed as LTCG at 12.5% without indexation, or at your slab rate as STCG depending on holding period. The tax planner includes a separate capital gains block.
FY 2026-27 — supported, with a toggle
The planner now includes a live FY 2025-26 / FY 2026-27 toggle. Union Budget 2025 kept the FY 2026-27 (AY 2027-28) new regime aligned with FY 2025-26 — same slabs (0/5/10/15/20/25/30% up to ₹24L), same ₹75,000 standard deduction, 87A rebate keeping tax nil up to ₹12L taxable, and 80CCD(2) intact. Old-regime HRA is calculated separately: 50% of basic in metros (Mumbai, Delhi, Kolkata, Chennai), 40% elsewhere, minus 10% of basic against rent paid. Flip the toggle in the tax module to compare either year's outgo.
Not a substitute for a CA
These calculations are for planning. For your actual filing, especially with foreign income, ESOPs, partnership income or NRI status, please consult a chartered accountant.