Old vs New Tax Regime Calculator 2026-27
Find out which income tax regime saves you more money
Enter your income and deductions below. This tool compares both regimes side-by-side with the latest FY 2025-26 slabs (Budget 2025 changes) and shows you exactly how much you save — and which regime to choose.
How This Comparator Works
The new tax regime (default from FY 2023-24) offers lower tax rates but strips away most deductions. The old regime keeps higher rates but lets you claim 80C, 80D, HRA, home loan interest, and more. The right choice depends entirely on your specific deduction profile.
This tool calculates tax under both regimes simultaneously, factoring in all your deductions, and shows the exact rupee difference. No more guessing.
Key Budget 2025 Changes
- No tax up to ₹12.75 lakh for salaried individuals under new regime (₹12L taxable income + ₹75K standard deduction)
- Standard deduction raised to ₹75,000 in new regime (was ₹50,000)
- New regime is default — you must explicitly choose old regime each year
- Revised slabs — wider brackets with lower rates in new regime
When is Old Regime Better?
The old regime wins when your total deductions are high. Typical scenarios:
- Salaried with HRA + home loan: If you claim HRA exemption AND Section 24 home loan interest (up to ₹2L), old regime often wins
- Max 80C + 80D + NPS: ₹1.5L (80C) + ₹75K (80D family) + ₹50K (NPS) = ₹2.75L in deductions alone
- High rent metro cities: HRA exemption can be ₹2-4L in Mumbai/Delhi/Bangalore
Rule of thumb: if your total deductions exceed ~₹3.75 lakh, run the numbers. Below that, new regime almost always wins.