Old vs New Tax Regime Calculator
Compare your income tax under the Old and New regimes side by side and see which one saves you more for FY 2025-26.
Enter values to see the result.
About the Old vs New Regime Calculator
India lets you pick between two income-tax regimes each year, and the right choice can save you tens of thousands of rupees. This tool computes your tax under both the Old and New regimes for the same income and shows them side by side, so you can instantly see which one is cheaper for you in FY 2025-26.
How to use it
- Choose the financial year and enter your gross annual income.
- Fill in the deductions you can claim (80C, 80D, NPS, home-loan interest) — these benefit the Old regime.
- The tool calculates tax under both regimes simultaneously.
- See the side-by-side comparison and the rupee amount you save with the better regime.
Salaried employees declaring their regime to an employer, and anyone planning their taxes for the year, can use this to make a confident, numbers-backed choice. All calculations run locally in your browser, so your financial details stay private and are never uploaded.
Frequently asked questions
Can I switch tax regimes every year?
Salaried individuals without business income can choose afresh each financial year. Those with business income face restrictions on switching back, so check the current rules before deciding.
Why does the New regime often win without deductions?
The New regime has wider, lower slabs, a ₹75,000 standard deduction, and an 87A rebate that makes taxable income up to ₹12 lakh tax-free — so people who don't claim many deductions usually pay less under it.
When is the Old regime better?
When your deductions are large — a full ₹1.5 lakh under 80C, 80D health premiums, NPS, and especially home-loan interest under Section 24(b) — the Old regime can beat the New one. This tool shows the exact crossover for your numbers.
Is the comparison private?
Yes. Everything is computed in your browser; your income and deduction figures are never sent anywhere.