Old vs New Tax Regime Calculator FY 2025-26

Enter your salary and deductions once to see the tax under both regimes side by side.

Gross annual salary / income

₹

Section 80C (PF, PPF, ELSS, LIC…)

₹

Capped at ₹1,50,000.

Section 80D (health insurance)

₹

HRA exemption

₹

Use the HRA calculator to find this.

Home-loan interest — sec 24(b)

₹

Self-occupied: capped at ₹2,00,000.

Own NPS — sec 80CCD(1B)

₹

Capped at ₹50,000.

Other old-regime deductions (80E, 80G, 80TTA…)

₹

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How to use the Old vs New Tax Regime Calculator FY 2025-26

Enter your gross salary for the year.
Enter each deduction you can actually claim — they only count in the old regime.
Compare the two tax figures; the highlighted line tells you which regime is cheaper and by how much.
The last line shows the total deductions at which the old regime would start to win.

Formula used

New regime: taxable = income − ₹75,000; slabs 0–4L nil, 5% to 8L, 10% to 12L, 15% to 16L, 20% to 20L, 25% to 24L, 30% above; nil tax up to ₹12L via 87A.

Old regime: taxable = income − ₹50,000 − deductions; slabs 0–2.5L nil, 5% to 5L, 20% to 10L, 30% above; 87A rebate up to ₹12,500 if taxable ≤ ₹5L.

Both: surcharge above ₹50L with marginal relief, plus 4% cess.

Old vs New Tax Regime Calculator FY 2025-26 — FAQs

Which tax regime is better for FY 2025-26?▾

For most salaried people the new regime is cheaper after Budget 2025, because income up to ₹12.75 lakh is tax-free and slabs are wider. The old regime can still win if you claim large deductions such as home-loan interest, full 80C, 80D, HRA and NPS.

Can I switch between regimes every year?▾

Salaried individuals without business income can choose each year when filing the return. Those with business income can switch back to the old regime only once.

Is HRA allowed in the new regime?▾

No. HRA, 80C, 80D and home-loan interest on a self-occupied house are available only in the old regime.

What is the break-even deduction?▾

It is the total of deductions (excluding the standard deduction) above which the old regime gives lower tax than the new one for your income.

How to use the Old vs New Tax Regime Calculator FY 2025-26

Formula used

Old vs New Tax Regime Calculator FY 2025-26 — FAQs

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