Old vs New Tax Regime Comparator
Enter your income and deductions — see exactly which regime saves you more. Comprehensive, accurate, and updated for the latest budget.
Your Income
Enter your annual gross income (CTC or total income before deductions).
Deductions & Exemptions
Fill in only what applies to you. Unused deductions count as zero.
Combined: EPF + PPF + ELSS + LIC + NSC + tuition fees + others. Max ₹1,50,000.
Additional ₹50,000 over 80C. Old regime only.
Employer's NPS contribution (up to 14% of basic for govt / 10% for private). Available in both regimes.
Max ₹25,000 (₹50,000 if you are senior citizen).
Max ₹25,000 (₹50,000 if parents are senior citizens).
Max ₹2,00,000 for self-occupied property.
Full interest amount. No upper limit.
Eligible donation amount (50% or 100% deductible).
Max ₹10,000 (₹50,000 for 80TTB senior citizens).
Actual travel fare exemption (as per employer).
Max ₹2,500. Typically ₹200/month.
Old Tax Regime
With deductions & exemptions
Total tax payable
New Tax Regime
Budget 2025 slabs
Total tax payable
Visual Comparison
Detailed Slab-wise Comparison
| Particulars | Old Regime | New Regime |
|---|
Tax Slab Reference — FY 2025-26
Old Regime (Below 60)
Standard deduction: ₹50,000 • Rebate u/s 87A: taxable income ≤ ₹5L
New Regime (Budget 2025)
Standard deduction: ₹75,000 • Rebate u/s 87A: taxable income ≤ ₹12L
This tool is for informational purposes only. Tax laws are complex and individual circumstances vary.
Consult a qualified tax professional for specific advice. Calculations based on Income Tax Act provisions applicable for FY 2025-26 (AY 2026-27).
Smart Moves
Tax-Saving Strategies for FY 2025-26
Actionable tips to reduce your tax liability regardless of which regime you choose
Max Out 80C Early
Invest ₹1.5L in PPF, ELSS, or EPF at the start of the year. Early investing means more compounding and you avoid the last-minute rush in March.
NPS for Extra ₹50K
Section 80CCD(1B) gives an additional ₹50,000 deduction over 80C. If your employer offers NPS, 80CCD(2) works in both regimes!
Health Insurance = Double Win
80D lets you deduct up to ₹25K for self (₹50K if senior) + ₹50K for senior citizen parents. That’s a ₹1L deduction plus vital coverage.
Home Loan Interest
Section 24(b) allows up to ₹2L deduction on home loan interest for self-occupied property. Principal repayment falls under 80C.
Switch Annually
Salaried taxpayers can switch between Old and New regime every year. Re-run this comparator each year as your income and deductions change.
New Regime’s ₹12L Rebate
Under Budget 2025, taxable income up to ₹12L is effectively tax-free in the New Regime thanks to the enhanced Section 87A rebate.
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