What is the main use of the old vs new regime comparator?
It helps taxpayers compare both tax regimes side by side so they can choose the one that leads to a lower tax outgo based on actual deductions.
Old vs New Regime Comparator
Compare income tax under old and new regime side by side. Enter income and deductions to see which regime saves more for FY 2025-26.
Deductions (Old Regime Only)
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₹
₹
₹
₹
✅ New Regime saves you ₹24,440
New Regime
Tax Payable₹20,800
Gross Income₹15,00,000
Std. Deduction- ₹75,000
Taxable Income₹14,25,000
Tax₹20,000
Cess+ ₹800
Total Tax₹20,800
Old Regime
Tax Payable₹45,240
Gross Income₹15,00,000
Std. Deduction- ₹50,000
Ch. VI-A Deductions- ₹2,95,000
Taxable Income₹11,55,000
Tax₹43,500
Cess+ ₹1,740
Total Tax₹45,240
What this tool helps you estimate
This old vs new regime calculator is built for taxpayers who want a direct side-by-side tax comparison before choosing a filing regime. It highlights the tax difference, the effect of deductions, and which option is currently more favourable.
How to use this calculator
- Enter your annual gross income.
- Add the deductions and exemptions you can claim only under the old regime, such as 80C, 80D, HRA, and home loan interest.
- Review both tax outputs together and check the recommendation badge to see which regime currently saves more.
- Use the compact breakdown under each regime to understand why the difference appears.
Disclaimer: This calculator provides estimates based on the information you enter. Actual values may vary. Tax laws and financial assumptions can change. Please consult a qualified professional before making financial decisions.
Frequently asked questions
Should I enter HRA and home loan deductions here?
Yes. If you want to evaluate the old regime properly, enter exemptions and deductions such as HRA and eligible home loan interest that affect old-regime taxability.
Does the new regime consider old-regime deductions?
No. This comparator treats old-regime deductions separately so the comparison reflects how each regime actually works.
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