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Aumsetu.com · Investor Utility

2-Minute Investor Tax Check 2026

Old vs New Tax Regime — how much tax on shares and mutual funds? Find out in just 2 minutes.

AY 2026-27 · FY 2025-26 Regime Comparison Equity · Debt · Gold · F&O Tax-Loss Harvesting Advance Tax Alert
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Your Branding (Appears on the PDF report and WhatsApp share — for MFDs)
The "Book Review" button will open WhatsApp to this number.
1

Income Details (FY 2025-26 annual income)
₹
Standard deduction is auto-applied: New ₹75,000 / Old ₹50,000
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₹
Treated as business income at slab rate. Enter 0 if in loss — consult a professional for loss set-off / carry-forward.
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₹
30% standard deduction u/s 24(a) is auto-applied.
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Taxable at slab rate.
2

Deductions (mostly available only in the Old Regime)
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Capped at ₹1,50,000.
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Self ₹25k/₹50k + Parents ₹25k/₹50k — capped at ₹1,00,000.
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Capped at ₹50,000.
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Self-occupied: Old Regime only, capped at ₹2,00,000.
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Available in both regimes.
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3

Capital Gains (gains on assets sold in FY 2025-26)
Equity — Listed Shares
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Tax @ 20% u/s 111A
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12.5% u/s 112A after ₹1.25 lakh exemption
Equity Mutual Funds
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Tax @ 20%
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Combined with Shares for ₹1.25 lakh exemption, then 12.5%
Debt Mutual Funds
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Units bought after 1-Apr-2023 (any holding) or older units held ≤ 24 months.
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Only units bought before 1-Apr-2023, holding > 24 months.
Gold & Bonds
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Gold ETF > 12 months · Gold Fund/Physical Gold > 24 months
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₹
₹
4

Tax-Loss Harvesting Check (optional)
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Holdings currently in loss — to surface booking opportunities.
5

Tax Paid So Far
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Check on Form 26AS / AIS.

Your Regime Verdict

Total estimated tax in both regimes (including surcharge + 4% cess)

Old Regime
₹0
New Regime
₹0

Your Investor Tax Summary

Investor Tax Summary — AY 2026-27
🔍 View Full Calculation Breakdown (Old vs New)

Old Regime

New Regime

Tax-Loss Harvesting Opportunity

Tax Payment & Due-Date Alert

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