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New vs Old Tax Regime Calculator

This page leads with the comparison, because that is usually the actual question: not 'what is my tax', but 'which regime should I pick'. Enter your salary and any old-regime deductions — 80C, 80D, HRA, home loan interest, NPS — and a clear winner banner tells you which regime saves more, with the full slab-wise math for FY 2026-27 underneath.

  • Nothing you type leaves this page
  • Works offline once loaded
  • Free forever, no signup

Interest, rent or any other income taxed at slab rate.

Work it out on our HRA calculator, then enter the exempt amount here.

{{ result.better === 'new' ? 'New' : 'Old' }} regime saves you {{ inr(result.savings) }} for {{ fy }} on these numbers.

New regime

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  • Taxable income{{ inr(result.newRegime.taxable) }}
  • Tax before cess{{ inr(result.newRegime.tax) }}
  • Rebate applied{{ inr(result.newRegime.rebate) }}
  • Cess (4%){{ inr(result.newRegime.cess) }}

Marginal relief applied — tax is capped at the income exceeding the rebate threshold.

Old regime

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  • Taxable income{{ inr(result.oldRegime.taxable) }}
  • Tax before cess{{ inr(result.oldRegime.tax) }}
  • Rebate applied{{ inr(result.oldRegime.rebate) }}
  • Cess (4%){{ inr(result.oldRegime.cess) }}
New regime slab-wise breakup
Band Rate Tax
{{ row.band }} {{ row.rate }}% {{ inr(row.taxOnSlab) }}

Salaried income only (no capital gains or special-rate income). Slabs, rebate and cess are for FY {{ fy }} (AY {{ ay }}) — verify against the current Finance Act or your Form 16 before filing.

How to use this tool

  1. Enter your annual salary

    Gross salary before deductions — the default ₹15 lakh shows a case where the two regimes are genuinely close.

  2. Add your old-regime deductions

    The comparison only tilts toward the old regime once you add real deductions — 80C, 80D, HRA exemption, home loan interest, NPS.

  3. Read the winner and the exact savings

    The banner states which regime wins and by how much; the two cards below show the full slab-wise breakup for each.

Questions people ask

How do I know which tax regime is better for me?

Add up your real old-regime deductions — 80C investments, health insurance under 80D, your HRA exemption, home loan interest and NPS — and enter them here alongside your salary. Roughly, the old regime tends to win once your total deductions cross about ₹4–4.5 lakh a year; below that, the new regime usually comes out ahead. This calculator gives you the exact number instead of a rule of thumb.

Which regime is better for a ₹12 lakh salary?

For a plain ₹12 lakh salary with no deductions, the new regime almost always wins, since after the standard deduction it lands very close to the tax-free threshold. Add substantial 80C and HRA deductions and the comparison can flip — enter your numbers to see.

What deductions does the old regime allow that the new regime does not?

80C investments (PF, ELSS, life insurance premiums, up to ₹1.5 lakh), 80D health insurance premiums, HRA exemption, home loan interest on a self-occupied property (up to ₹2 lakh), and NPS 80CCD(1B) (up to ₹50,000) are all old-regime-only. The new regime allows only the standard deduction for salaried taxpayers.

Is the standard deduction available in both regimes?

Yes, but at different amounts — ₹75,000 in the new regime and ₹50,000 in the old regime for FY 2026-27, both applied automatically by this calculator.

Does home loan interest always favour the old regime?

A large home loan interest deduction (up to ₹2 lakh on a self-occupied property) is one of the strongest reasons the old regime can win, especially stacked with 80C and HRA — but the new regime's wider slabs and bigger rebate mean it is worth checking both, not assuming.

Is my salary and deduction data private?

Yes — the comparison runs entirely in your browser, nothing is uploaded, and the page keeps working offline once loaded.

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Free because it costs us nothing to run: your browser does the work, not our servers. Made by Dynamb Technologies — we build software for businesses.