How Much Tax Do You Still Need to Save in 2026?

Under the new regime, income up to ₹12 lakh pays zero tax; ₹12.75 lakh for salaried after the ₹75,000 standard deduction.

Most deductions (80C, 80D, HRA, home-loan interest) survive only in the old regime, which is no longer the default.

Roughly ₹8 lakh of deductions is the point where the old regime starts beating the new one at higher incomes.

Employer NPS under 80CCD(2) is the one big deduction that still works inside the new regime.

You choose your regime when filing; salaried people can switch each year, business income cannot.