Income Tax Calculator (New vs Old Regime)
Compare income-tax liability under the new and old regimes, with rebate u/s 87A and 4% cess.
15,00,000
1,50,000
25,000
0
Tax — New regime
₹97,500
Tax — Old regime
₹1,95,000
You save with New regime
₹97,500
Recommended
New regime
Uses FY 2025-26 new-regime slabs with 87A rebate up to ₹12,00,000 taxable, ₹75,000 standard deduction, and 4% health-and-education cess.
// about this calculator
Since the Finance Act 2023 made the new tax regime the default, every salaried Indian must compare both regimes annually. The new regime offers lower slab rates but disallows most deductions. The old regime allows 80C, 80D, HRA, home-loan interest etc. — but at higher slab rates. The calculator does both calculations side-by-side so you can see which regime saves you more.
// frequently asked questions
If you have >₹2.5 lakh of total deductions (80C + 80D + HRA + home-loan interest), the old regime usually wins. Below ₹1.5 lakh of deductions, the new regime is almost always cheaper.