Most dual-income couples file taxes independently and leave money on the table. The FinWiseOwl Couple Tax Calculator finds the optimal old/new regime split for both of you, together.
📅 This calculator is for Tax Year 2026-27 (income earned between April 2026 to March 2027), under India's new Income Tax Act 2025. Returns for this income will be filed next year. Not for the returns you are filing right now.
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See it in action
A real couple, real numbers. See how the calculator finds the answer most people get wrong.
What's inside
Not a generic calculator. Designed specifically for salaried couples navigating India's dual-regime tax system.
All four combinations (both old, both new, and each partner on a different regime) compared side by side so you see exactly which one minimises your combined tax outgo.
Sharing a flat? The calculator works out who should claim the rent and in what proportion to maximise the HRA exemption across both salaries.
Every deduction, every slab, surcharge, and cess, laid out step by step. No black box. See exactly why the optimal answer is what it is.
Handles employer NPS (at 14% under new regime), 80D health premiums including senior citizen rates, home loan interest, LTA, and allowance exemptions.
For incomes above ₹50 lakhs, surcharge and marginal relief are automatically computed per regime, visible as line items in the breakdown.
Updated for the latest new regime slabs, ₹12L rebate threshold, ₹75K standard deduction, and expanded metro city list. Not last year's rules.
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Couple Tax Regime Calculator
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Important: Planning Tool Only
This calculator is designed solely as a tax regime planning aid. It helps salaried individuals compare the old and new tax regimes based on the inputs provided and estimate which combination may result in a lower tax outgo for the financial year.
It does not constitute tax advice, financial advice, or a substitute for professional guidance. Tax liability depends on individual facts, documentation, and applicable rules that may differ from what is modelled here. Please consult a qualified expert before making any filing decisions.
If you find any discrepancies or need help using this tool, reach out to us at finwise.owl@gmail.com and we will respond within 24 hours.