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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.

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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
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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.

From a free tool to your own software

Software for CA firms and payroll tax teams

Tax practitioners and payroll teams run the same regime comparison for every client and employee each year, collecting investment proofs over email and re-entering figures into worksheets. Mistakes surface later as mismatched TDS or a notice. Purpose-built software collects declarations, applies the rules for whichever year you configure and keeps every computation traceable.

  • CA practice management systems

    Track each client's filing status, documents, deadlines and fees across your team, with reminders ahead of due dates and a clear view of pending work.

  • Employee tax declaration portals

    Employees choose their tax regime, declare investments and upload proofs, then see a projected tax figure that payroll uses to set their monthly TDS.

  • Client document collection apps

    Clients upload Form 16, bank statements and capital gains reports from a phone, sorted by assessment year, with a checklist showing what is still missing.

  • AI-assisted document extraction

    Read figures from salary slips, interest certificates and broker statements into your computation worksheet, so preparers review numbers instead of retyping them.

Who we build this for: Chartered accountant firms, tax practitioners, payroll teams and HR departments handling employee TDS.

This tool runs entirely in your browser. The team that built it designs custom software for businesses and runs DigiSign, our own signage platform, in production.

Automate your tax workflow AI & Intelligent Automation

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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Who makes these tools

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.