Side-by-side comparison of Old and New Indian Income Tax Regimes for FY 2025–26 and FY 2026–27 with 80C, 80D, HRA, and NPS deductions.
Side-by-side comparison of Old and New Indian Income Tax Regimes for FY 2025–26 and FY 2026–27 with 80C, 80D, HRA, and NPS deductions. Below is the exact mathematical or algorithmic model used by this tax utility, along with its key operating assumptions.
Computes slab tax, Section 87A rebate, marginal relief surcharge, and 4% cess independently under both regimes.Find the exact deduction breakeven point where claiming HRA, 80C, and home loan interest makes the Old Regime cheaper than the New Regime.
Clear answers to common questions about methodology, edge cases, and privacy.
For salaries above ₹15 Lakh, you typically need ₹3.75 Lakh to ₹4.25 Lakh+ in combined exemptions (HRA + 80C + 80D + Home Loan Interest) for the Old Regime to result in lower tax.
No. All calculations inside the Old vs New Tax Regime Calculator run 100% locally in your browser using deterministic TypeScript formulas. Your income, loan, or investment figures are never uploaded, stored, or shared.
Click '☆ Save to Workspace' in the header to pin the Old vs New Tax to your local browser dashboard, or copy the page URL to reference this utility anytime.
Adjust numbers or drag sliders to match your scenario.
Enter only eligible, documented exempt amounts for company benefits. Car lease and vehicle reimbursements vary by ownership, engine/EV category, use pattern and employer policy, so this calculator lets you enter the exempt value and taxable perquisite separately.
Capital gains, lottery income, agricultural income integration and other special-rate income need separate treatment and are intentionally excluded.
Updates dynamically in your browser.
Could save ₹1,05,300 compared with the other regime.