The FY 2026-27 choice that could save you ₹80,000+
₹0 tax up to ₹12.75L No deduction paperwork Lower rates across slabs
₹1.5L under 80C ₹2L home-loan interest ₹50k NPS + HRA + LTA
If total deductions < ₹3.75L, the new regime wins.
Old regime usually wins. The ₹2L interest deduction alone covers most ₹50L+ home loans.
Your numbers are different. The calculator picks the winner for you.