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Scenario calculator

NRI Indian income-tax estimator

Compare old and new regimes for supported Indian salary, rent and interest income.

Work with your own figures.
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Scope & limits Sources checked 14 Oct 2026

FY 2025–26 / AY 2026–27 or Tax Year 2026–27, selected explicitly. NRI individual, ordinary-rate income, no business. Ordinary NRI slabs and salary standard deductions are the same in these supported years; current-year legal numbering differs.

Informational estimate. Official sources checked; not professionally reviewed.

Your assumptionsStep 1 of 4
1Confirm the supported case
2Income for the filing year
3Eligible old-regime deductions
4Taxes already paid
Check your situation before relying on the tax result

Use the filing-year selector above. Personal deductions use the applicable year’s equivalent provisions. Unknown eligibility remains unresolved; this tool does not turn it into a tax benefit.

Unresolved assumptions must be checked before acting. No financial figures are sent through these controls.

Examples use fictional figures.

Your scenario

Awaiting figures
Your comparison

Estimated liability by regime

See both tax regimes side by side.

  1. Scope
  2. Income
  3. Deductions
  4. Credits

Enter your figures, or load an illustrative example to see how the result works.

Save or import a scenario

Downloads contain your entered figures. Keep them private. Imported files are read in your browser and are not uploaded.

How to read this result

  1. Compare the estimated tax under the two options. The lower figure applies only to the income and deductions you entered.
  2. Tax already taken from payments is not your final tax bill. Some income types and reliefs are not included.
  3. Check the tax year and your figures with a tax adviser before filing or paying.
Calculation details and sources

No section 87A rebate or resident senior-citizen slab is applied. Resident-only 80DD, 80DDB, 80U and 80TTB deductions are excluded.

The legacy deduction labels 80C / 80CCC / 80CCD(1), additional 80CCD(1B), 80D and 80TTA map to current sections 123 / Schedule XV, 124(3)–(4), 126 and 153 respectively. These eligible personal deductions apply only to the old regime in this model. Employer NPS, 80E, donations, special deductions and foreign tax credits need separate computation.

Enter a confirmed gross annual value for rent, not automatically rent collected. Only owner-paid municipal tax actually paid is deducted; then the statutory 30% deduction and interest. Actual maintenance is not deducted again.

Old-regime house-property loss set-off against other covered income is capped at ₹2 lakh. New-regime loss is not set off here. Carry-forward, co-ownership, deemed rent and prior-year adjustments require review.

Dividends, capital gains, special-rate interest, Chapter XII-A elections, business income and treaty overrides are excluded. TDS and advance tax are payments on account, not the final liability. Interest, late fees and statutory return rounding are not calculated.

Before you act

Check your figures and the rules that apply to you with a qualified adviser before making a decision.

Official sources

Income Tax Department: non-resident, AY 2026–27 (opens in a new tab)Income Tax Department: current section 202 (opens in a new tab)Income Tax Department: current personal deductions (opens in a new tab)Income Tax Department: house property (opens in a new tab)Income Tax Department: new Act and non-residents (opens in a new tab)
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