Income Tax: Old vs New Regime Calculator for UGC Teachers
Under the new regime there is no tax on salary up to ₹12.75 lakh in 2026-27; the old regime can be better with large HRA, home-loan and 80C deductions. Free
Important: Government rules, allowances and rates change from time to time. Before taking a final decision or making a claim, confirm the figures with the latest official order, notification or rules of the department concerned.
📄 Rules & sources ⚠️ 1 not yet verified
📄 Rule basis
- Finance Bill 2026 — tax rates for 2026-27 (01.02.2026) — www.indiabudget.gov.in
- Income-tax Act 2025 (in force from 01.04.2026) (21.08.2025) — egazette.gov.in
🔎 Source
⚠️ Not yet verified from an official order — confirm with your university before relying on it
- Income-tax slabs 2026-27: 2026-27 — Slabs from the Income-tax Act 2025 as amended by the Finance Act 2026; official copy not yet saved in the project. · Check here: Income Tax Department
How it works
You enter: Annual gross salary, Age, Employer NPS contribution, HRA exemption, 80C investments, 80D health insurance, Home loan interest, Own NPS 80CCD, Professional tax. The result updates as you type. It also uses Income-tax slabs 2026-27 — not yet confirmed from an official order for university teachers (⚠️), so check these with your university.
Frequently asked questions
Which tax regime is better for teachers?The new regime for most: no tax up to ₹12.75 lakh salary. The old regime can win with large HRA, home loan and 80C deductions.
Which cities get 50% HRA exemption?From 2026-27: Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Pune, Hyderabad and Ahmedabad; others 40%. Old regime only.
Are these figures official?They follow the orders listed under Rules & sources on this page. Values marked ⚠️ are not yet confirmed from an official order. For a final figure, rely on your finance office and the order itself.