Income Tax Planner 2026-27 — Old vs New Regime Calculator for Salaried (Excel)

Description

Every April your employer asks: old regime or new? Most people guess — and pay more tax than they need to. This planner shows your tax in both regimes side by side, tells you which is cheaper and by how much, and works out the monthly TDS. Made by an Accounts Manager who handles salary TDS every month.

What you get

• Tax planner workbook — Demo + Blank (Excel, works in Google Sheets)
• Old vs New comparison — line by line, with the verdict and the extra deductions the old regime would need to match
• HRA calculator — Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad at 50% (Income-tax Rules 2026)
• All common deductions — 80C group, NPS 80CCD(1B), employer NPS, 80D for self and parents, home-loan interest, 80E, 80G, savings interest
• New-regime rebate up to ₹12 lakh with marginal relief, old-regime rebate, age-based slabs, 4% cess
• Monthly TDS for the rest of the year and a Tax Saving Plan showing room left and tax saved
• 12-page guide (PDF) — what changed under the Income-tax Act, 2025, old and new section numbers, HRA explained, which regime suits whom, and a year checklist

Who is it for

Salaried employees in India (resident individuals), HR and payroll staff who answer regime questions, and accountants helping family and friends plan their tax.

Good to know

• Digital product — ZIP download link right after payment
• Needs Excel 2016 or later, Excel 365 or Google Sheets (free)
• Slabs and limits are on an editable sheet, so you can update them after a Budget
• Not covered: capital gains, business income, surcharge above ₹50 lakh, NRIs
• Help on email (digiproductstudio26@gmail.com) or WhatsApp (+91 98190 89790)

This is a planning tool, not tax advice. Rules as understood in October 2026 (Income-tax Act, 2025 and Income-tax Rules 2026). For complex cases, consult a tax professional.