Income Tax Calculator (Old vs New Regime)
Side-by-side comparison of tax under Old vs New Regime. Get a personalized recommendation on which regime saves you more, with visual breakeven charts.
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Not sure how much HRA to claim? Read our guide on how HRA exemption is calculated.
Income Tax Calculator Guide – Old vs New Regime (FY 2025-26)
As per the Union Budget 2025-26, the new tax regime offers revised slabs with no tax up to ₹4 lakh and a standard deduction of ₹75,000. Our calculator compares both regimes side-by-side to help you make the right choice. For a comprehensive breakdown, see our old vs new regime detailed comparison.
New Tax Regime Slabs (FY 2025-26)
Rebate under Section 87A for income up to ₹12 lakh (effective ₹12.75L with standard deduction).
When to Choose Old Regime
If your total deductions under 80C, 80D, HRA, home loan interest (24b), and other sections exceed approximately ₹3.75 lakh, the old regime may be more beneficial. Learn how to maximize deductions under Section 80C — including ELSS, PPF, life insurance, and tuition fees.
📚 Further Reading & Related Resources
❓ Frequently Asked Questions
Yes, if your total tax liability exceeds ₹10,000 in a financial year, you must pay advance tax in quarterly installments (June 15, Sep 15, Dec 15, Mar 15). Late payment attracts interest under Section 234B and 234C. Learn the complete process in our advance tax rules and due dates guide.
For most salaried individuals earning above ₹15 lakh, the new regime tends to be beneficial unless your deductions (80C + 80D + HRA + home loan) exceed ₹3.75 lakh. Use our calculator above with your exact figures to get a personalized comparison.
Salaried individuals can switch between the two regimes every financial year at the time of filing their ITR. Business/professional income taxpayers who opt for the old regime can switch back only once in a lifetime.
The new regime allows only the standard deduction of ₹75,000, employer NPS contribution under Section 80CCD(2), and no other major deductions. Section 80C, 80D, HRA exemption, and home loan interest (24b) are not available under the new regime.
Surcharge applies on income above ₹50 lakh: 10% (₹50L–₹1Cr), 15% (₹1Cr–₹2Cr), 25% (₹2Cr–₹5Cr). Under the new regime, surcharge is capped at 25% for income above ₹5 crore. Health & Education Cess of 4% applies on total tax + surcharge.
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