Old vs New Tax Regime Calculator

Detailed side-by-side comparison to help you choose the best tax regime based on your investments.

Only applicable for the Old Regime. New regime removes these.

Are you Salaried?

Our Recommendation

New Regime is better for you!

You will save ₹45,500 annually.

Old Tax Regime
Deductions:₹2,00,000
Taxable:₹10,00,000
Total Tax:₹1,17,000
New Tax Regime
Deductions:₹75,000
Taxable:₹11,25,000
Total Tax:₹71,500

How This is Calculated (Formula Transparency)

Computes total deductions under Old Regime (80C + 80D + HRA + Home Loan Interest + ₹50k Standard Deduction) and compares it with New Regime (₹75k Standard Deduction only). Matches both against their respective tax brackets.

Concept: Old Taxable: ₹10L - ₹50k (Std) - ₹1.5L (80C) - ₹25k (80D) - ₹1L (HRA) = ₹6.75L. Tax = ₹47,500 + 4% cess. New Taxable: ₹10L - ₹75k (Std) = ₹9.25L. Tax = ₹42,500 + 4% cess.

Worked Example Case Study

Scenario: Salary ₹10,00,000, 80C ₹1,50,000, 80D ₹25,000, HRA exemption ₹1,00,000.

Detailed Calculation: Old Taxable: ₹10L - ₹50k (Std) - ₹1.5L (80C) - ₹25k (80D) - ₹1L (HRA) = ₹6.75L. Tax = ₹47,500 + 4% cess. New Taxable: ₹10L - ₹75k (Std) = ₹9.25L. Tax = ₹42,500 + 4% cess.

Result Outcome: Old Tax: ₹49,400. New Tax: ₹44,200. New Regime is better by ₹5,200.

Assumptions & Rules

  • Deductions like 80C, 80D, Section 24 (Home Loan Interest), and HRA are eligible only under the Old Regime.
  • Standard deduction is ₹75,000 for New Regime and ₹50,000 for Old Regime.
  • Calculations are compliant with laws and rates as of FY 2025-26 (AY 2026-27).