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Old vs New Tax.
Old vs New Tax.
Find your regime winner.
Adjust sliders for salary, 80C, 80D, HRA, NPS and home loan interest — the winner updates instantly in real time. 100% private, no data stored.
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₹12.5L
💰 Gross Income
₹1.2L
🏛️ Old Regime Tax
₹1.0L
🆕 New Regime Tax
New
🏆 Winner
Visual comparisonLive updates with every slider move
📊Tax comparison (Old vs New)
Gold: Old regime · Blue: New regime
📈Tax at different income levels
Shows tax across 0.5× to 1.5× your current income.
New Tax Regime Slabs (FY 2025-26)
| Income range (₹) | Tax rate |
|---|---|
| 0 – 4,00,000 | Nil |
| 4,00,001 – 8,00,000 | 5% |
| 8,00,001 – 12,00,000 | 10% |
| 12,00,001 – 16,00,000 | 15% |
| 16,00,001 – 20,00,000 | 20% |
| 20,00,001 – 24,00,000 | 25% |
| Above 24,00,000 | 30% |
Standard deduction ₹75,000 already applied. Section 87A rebate available for net taxable income ≤ ₹12,00,000 in new regime (making income up to ₹12.75L effectively tax-free). Per the Income Tax Department of India.
📖
Your tax scenario — based on current values
Real-time breakdownGross income: ₹12,50,000 (salary ₹12L + other ₹50k).
Old regime deductions: ₹2,25,000 (80C ₹1.5L, 80D ₹25k, NPS ₹50k).
Taxable (old): ₹10,25,000 → tax ₹1,20,000.
New regime (std ded ₹75k): taxable ₹11,75,000 → tax ₹1,00,000.
Winner: New regime saves ₹20,000.
Tax planning best practices for India FY 2025-26
- New regime is default from FY 2023-24: With ₹4L nil slab and ₹75k standard deduction, income up to ₹12.75L can be effectively tax-free after 87A rebate.
- Old regime wins with high deductions: Aim for total deductions above ₹3.5–4L to beat the new regime. Use the Expenses Wallet to track all deductible expenses.
- HRA just got bigger: Bengaluru, Pune, Hyderabad, and Ahmedabad now qualify for 50% HRA (was 40%). Calculate your exact claim with the Rent vs Buy Simulator.
- NPS gives extra deduction: Under 80CCD(1B), claim up to ₹50,000 over and above 80C — saving up to ₹15,600 in tax. Track your investments in the Investment Wallet.
- LTCG harvesting: Book long-term capital gains up to ₹1.25L per year tax-free. Anything above is taxed at 12.5%.
- Surcharge advantage: Above ₹50L, new regime surcharge is capped at 25% vs 37% in old regime — a major advantage for high earners.
- Freelancers and business owners: Can deduct legitimate business expenses before tax under old regime. See the Freelancer vs Salary Simulator.
💡 Run the numbers in real context
- After this comparison → track actual income sources in the Income Wallet
- Track deductible expenses → use the Expenses Wallet
- Compare freelance vs salary tax → Freelancer vs Salary Simulator
- Build your emergency fund → Emergency Fund Calculator
Explore More
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Maximise your ₹1.5L 80C limit with the right instruments.
Read →HRA Exemption India 2026: How to Calculate and Claim It
New metro cities, 50% rule, and exact formula.
Read →NPS Tax Benefit India: Is the Extra ₹50,000 Worth It?
80CCD(1B) — the most overlooked deduction for salaried Indians.
Read →Freelancer Tax Guide India (FY 2025-26): Complete Breakdown
Advance tax, GST, deductions — everything in one place.
Read →What Percentage of Salary Should You Save in India in 2026?
The number that actually matters for financial freedom.
Read →Frequently asked questions
old regimenew regime80C deductions
HRA exemptionNPS benefitSection 87A
🏛️ Regime Basics
Based on your current sliders, new regime saves you ₹20,000. Old regime tax is ₹1.2L, new regime tax is ₹1.0L. Track your actual income in the Income Wallet.
Your gross income ₹12.5L minus old regime deductions ₹2.25L equals taxable income of ₹10.25L. All deductions (80C, 80D, HRA, NPS, home loan) are factored in.
Yes — after the ₹75,000 standard deduction and the Section 87A rebate of up to ₹60,000, net taxable income up to ₹12L is effectively zero tax. Your new regime taxable income is ₹11.75L.
💰 Deductions & Exemptions
You’ve set HRA at ₹0. If you live in a metro (including Bengaluru, Pune, Hyderabad, Ahmedabad), you can claim up to 50% of basic salary. Use the Rent vs Buy Simulator for exact calculation.
NPS under 80CCD(1B) gives an additional deduction of up to ₹50,000 over and above 80C. You’ve set ₹50,000, potentially saving ₹15,600 in tax at the 30% bracket. Track your NPS in the Investment Wallet.
No — in the new regime, only the ₹75,000 standard deduction is allowed. All other deductions (80C, 80D, HRA, home loan interest) are not available. If your total deductions exceed roughly ₹3.5L, old regime is likely better.
📈 Advanced Planning
In new regime, if your net taxable income is ≤ ₹12L, you get a full rebate up to ₹60,000 making tax nil. Your current new regime taxable income is ₹11.75L. Per the Income Tax Department of India.
Above ₹50L, new regime surcharge is capped at 25% whereas old regime can be 37%. For high earners this is a massive saving. Use the Wealth Wallet to track your full financial picture.
Review at the start of every financial year. If you expect deductions to change (new home loan, marriage, children), re-run this calculator. The regime choice can be changed annually for salaried employees at the time of filing ITR.
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