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Free instant old vs new tax regime comparison for India FY 2025-26. Find which regime saves more tax with accurate slab rates & 87A rebate. Compare now!
Compare Old vs New Tax Regime for FY 2025-26.Enter salary, HRA, 80C, NPS deductions — see which regime saves more tax. Updated with Finance Act 2025. Free tool.
FAQs
The old tax regime allows you to claim various deductions like 80C, 80D, home loan interest, and more, which reduces your taxable income. The new tax regime offers lower tax rates but doesn't allow these deductions.
Yes, salaried individuals can choose either regime each financial year while filing their return. Once you file your return under a specific regime, you cannot change it for that year.
Rebate 87A provides relief to individuals with lower income. Under the old regime, if your taxable income is ₹5,00,000 or less, your final tax is nil. Under the new regime, this limit is ₹12,00,000.
Compare Old vs New Tax Regime for FY 2025-26.Enter salary, HRA, 80C, NPS deductions — see which regime saves more tax. Updated with Finance Act 2025. Free tool.
See how much the difference between old and new tax regime can mean for your actual tax bill. Real-world examples:
Tip: Use this calculator to make an informed choice before filing your ITR. For final regime selection and filing, always consult a qualified Chartered Accountant to avoid costly mistakes. You can also check our Section 87A marginal relief calculator for edge cases near the rebate threshold.
| Taxable income range | Tax rate |
|---|---|
| ₹0 – ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
| Taxable 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% |
Example 1: ₹12 Lakh Income with Minimal Deductions
Example 2: ₹20 Lakh with High Deductions (Investor)
Example 3: ₹8 Lakh with Moderate Deductions
Example 4: ₹50 Lakh High Income (Multiple Deductions)
Choosing between the old and new tax regime is one of the most confusing parts of filing your ITR, and honestly, most people just guess. The new regime has lower rates but skips deductions like 80C, 80D, and home loan interest. The old regime lets you claim all of that, but the slab rates are higher. So the "right" choice really comes down to your own numbers, not a general rule.
This calculator above does the comparison for you. Just enter your income and deductions, and it shows your tax under both regimes side by side, so you can see exactly which one saves you more before you file.
CRITICAL REMINDER: Before filing your ITR or making your final regime choice, ALWAYS: (1) Use this calculator to compare both regimes with your exact figures, (2) Consult a qualified Chartered Accountant to review your complete financial situation, (3) Verify current rules on incometax.gov.in, (4) Ensure you have all investment proofs and deduction documentation if choosing the old regime. For budget-level reference, the India Budget portal has the official Finance Bill. Choosing the wrong regime can result in higher taxes that you cannot reverse for that financial year.
Old regime (assuming ₹3L in deductions): Taxable income = ₹15L − ₹50K − ₹3L = ₹11.5L. Tax = ₹12,500 + ₹1,00,000 + ₹45,000 = ₹1,57,500. Add 4% cess = ₹6,300. Total = ₹1,63,800.
New regime: Taxable income = ₹15L − ₹75K = ₹14.25L. Tax = ₹20,000 + ₹40,000 + ₹40,000 + ₹33,750 = ₹1,33,750. Add 4% cess = ₹5,350. Total = ₹1,39,100.
At ₹15L with ₹3L in deductions, the new regime saves about ₹24,700. With higher deductions, the old regime catches up. Use the calculator for your exact figures.
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