📅 FY 2026-27 · AY 2027-28 · Plan Ahead

Income Tax Calculator FY 2026-27

Calculate income tax for FY 2026-27 (Assessment Year 2027-28). Same powerful new regime with zero tax up to ₹12L.

Zero tax up to ₹12L AY 2027-28 New & Old regime
📅 FY 2026-27 = April 1, 2026 to March 31, 2027. Assessment Year (AY) 2027-28. ITR filing deadline: July 31, 2027. Same tax slabs as FY 2025-26 unless Budget 2026 changes them.
💰 Income Tax Calculator FY 2026-27
Total Tax FY 2026-27
₹0
₹0
Monthly TDS
₹1,00,000
Monthly in-hand
₹12,00,000
Taxable income
0%
Effective rate
⚖️ Compare Regimes 💚 Save More Tax
📊 FY 2026-27 Tax Slab Table — New Regime
Income RangeTax RateTax on SlabCumulative Tax
Up to ₹4,00,0000%₹0₹0
₹4L – ₹8L5%₹20,000₹20,000
₹8L – ₹12L10%₹40,000₹60,000
₹12L – ₹16L15%₹60,000₹1,20,000
₹16L – ₹20L20%₹80,000₹2,00,000
₹20L – ₹24L25%₹1,00,000₹3,00,000
Above ₹24L30%On excess₹3,00,000+
87A Rebate: If taxable income ≤ ₹12L → full tax rebate of ₹60,000 → Zero tax payable. Standard deduction ₹75,000 applied before tax calculation.

What Changes in FY 2026-27 vs FY 2025-26?

FY 2026-27 (April 2026 to March 2027) uses the same tax slabs introduced in Union Budget 2025 for the new tax regime. Unless Budget 2026 (February 2027) announces changes, the following apply: new regime slabs remain 0-5-10-15-20-25-30%, standard deduction ₹75,000, 87A rebate ₹60,000 for income up to ₹12L, and old regime rates and deductions unchanged. This calculator assumes continuity from FY 2025-26 — update required after Budget 2026.

Planning Your Salary for FY 2026-27 — Key Deadlines

ITR for FY 2026-27 must be filed by July 31, 2027. If you want to change tax regime for FY 2026-27, inform your employer at the start (April 2026). Tax-saving investments under 80C must be made before March 31, 2027 to claim deductions in FY 2026-27 ITR. NPS investments for extra ₹50K deduction: also by March 31, 2027. Health insurance premium: renew before March 31, 2027 for 80D benefit.

FY 2026-27 Tax Planning Tips

If you received a salary hike in April 2026, recalculate your tax immediately. Your employer may adjust TDS based on old salary — you need to inform HR of the updated income. Use our salary hike calculator to see new in-hand salary. If switching from old to new regime for FY 2026-27, stop submitting rent receipts and 80C declarations to your employer — TDS will be calculated without these deductions.

Frequently Asked Questions
What is FY 2026-27 and AY 2027-28?
FY 2026-27 = Financial Year from April 1, 2026 to March 31, 2027. This is the year you EARN the income. AY 2027-28 = Assessment Year 2027-28 = the year you FILE the ITR for that income (July 31, 2027 deadline). Tax on income earned in FY 2026-27 is filed in AY 2027-28.
Are tax slabs same in FY 2026-27 as FY 2025-26?
Yes, as of April 2026, the same slabs apply for FY 2026-27. New regime: 0-5-10-15-20-25-30% with ₹12L zero-tax threshold via 87A rebate. Old regime: same as before. Budget 2026 (February 2027) may announce changes for the remaining months of FY 2026-27 or for FY 2027-28.
Can I change my tax regime for FY 2026-27?
Yes. As a salaried employee, you can switch regime for each financial year. Inform your employer (HR/payroll) in April 2026 for FY 2026-27. Even if you don't tell your employer, you can choose any regime when filing ITR by July 31, 2027.