Old vs New Tax Regime Calculator
Compare your income tax under the old and new regimes and see which one saves you more.
The new tax regime is now the default, with lower slab rates but almost no deductions; the old regime keeps deductions like 80C, 80D, HRA and home-loan interest but taxes at higher rates. The better choice depends entirely on how many deductions you actually claim — this calculator runs both side by side for FY 2025-26 (AY 2026-27) so you can decide with numbers, not guesswork.
Old regime
₹1.12 L
Taxable income ₹9.75 L · incl. 4% cess
New regime
Lower tax₹0
Taxable income ₹11.25 L · incl. 4% cess
You save ₹1.12 L a year with the new regime.
Insight: If your deductions are modest, the new regime usually wins; the more you claim, the more the old regime can pull ahead.
How to use it
- Enter your gross annual income
- Add the deductions you genuinely claim (80C, 80D, home-loan interest, etc.)
- The lower of the two tax figures is highlighted
- Both include the standard deduction and Section 87A rebate
Good to know
- Figures are for salaried individuals under 60, FY 2025-26
- Cess of 4% is included; surcharge on very high incomes is not modelled
- This is an educational illustration, not tax advice
- Confirm your final liability with a tax professional
Ready to redefine your financial freedom?
India is among the world’s top saving nations. But savings alone aren’t enough — your money has to work as hard as you do, spread across asset classes so it keeps pace with inflation and protects the purchasing power of the rupee.