⚖️ New vs Old Tax Regime Calculator
FY 2025-26 (AY 2026-27) — Compare both regimes instantly
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Disclaimer: Based on Budget 2025-26. Verify with a CA or incometax.gov.in before filing. This is an estimate only — actual liability may differ.
Income Details
Enter CTC or total annual income before any deductions
Old Regime Deductions (skip if choosing New Regime)
₹50,000 for salaried (Old Regime)
Max ₹1,50,000 (PPF, ELSS, LIC, EPF...)
₹25K self, ₹50K if parents senior
Max ₹2,00,000 for self-occupied
Additional ₹50,000 over 80C limit
| Item | New Regime | Old Regime |
|---|---|---|
| Gross Income | ||
| Total Deductions | ||
| Taxable Income | ||
| Tax Before Cess | ||
| Rebate 87A | ||
| Cess (4%) | ||
| Total Tax Payable |
Tax Slab Breakdown
🟢 New Regime Slabs
🔴 Old Regime Slabs
Frequently Asked Questions
It depends on your deductions. The New Regime is better if your deductions are low (below ~₹3.75L). The Old Regime wins if you have high 80C + HRA + home loan interest. This calculator shows the exact difference for your situation.
₹75,000 for salaried employees in FY 2025-26 (New Regime). In Old Regime, standard deduction is ₹50,000. This deduction is applied automatically before computing taxable income.
Under the New Tax Regime, if your net taxable income (after ₹75K standard deduction) is up to ₹12 lakh, the tax payable is NIL due to the 87A rebate (Budget 2025 increased it). So effectively up to ₹12.75L gross salary is tax-free for salaried individuals in new regime.
No. HRA exemption is not available under the New Tax Regime. If you pay significant rent and want to claim HRA, you must choose the Old Tax Regime. The New Regime offers a flat ₹75,000 standard deduction instead of individual exemptions.
New Regime allows: Standard Deduction ₹75,000 (salaried), employer NPS contribution (Section 80CCD(2)), Agniveer corpus fund (80CCH). Most other deductions — 80C, HRA, 80D, 24(b), LTA — are not allowed.