About the Old vs New Regime Calculator
What is the Old vs New Regime Calculator?
Choosing between the regimes is the single most important tax decision for most salaried Indians. This old vs new tax regime calculator computes both side by side for FY 2025-26 and tells you which one gives the lower tax.
It also works out your break-even deductions — the total deductions and exemptions you would need to claim in the old regime for it to match the new regime. If you claim less than that, the new regime wins.
How to use the Old vs New Regime Calculator
- Your Age (sample: Below 60 years)
- Gross Salary or Pension (₹ per year) (sample: 15,00,000)
- Other Income – interest, rent, etc. (₹ per year) (sample: 50,000)
- HRA Exemption (₹, old regime only) (sample: 1,20,000)
- Section 80C Investments (₹, max ₹1.5 lakh) (sample: 1,50,000)
- Section 80D Health Insurance (₹) (sample: 25,000)
- Own NPS – 80CCD(1B) (₹, max ₹50,000) (sample: 0)
- Home Loan Interest – Self-Occupied (₹, max ₹2 lakh) (sample: 0)
- Employer NPS – 80CCD(2) (₹) (sample: 0)
- Other Deductions – 80E, 80G, 80TTA, etc. (₹, old regime) (sample: 0)
- Press Compare Regimes (results also refresh as you type). The result card shows the Better Regime for You, along with You save, Tax under the new regime, Tax under the old regime and Old-regime deductions you claim (incl. HRA & standard).
Formula used
Saving = |Tax (old regime) − Tax (new regime)|
- Break-even deductions = the deduction amount D at which old-regime tax on (income − D) equals new-regime tax
The break-even figure includes the ₹50,000 old-regime standard deduction.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Your Age | Below 60 years |
| Gross Salary or Pension (₹ per year) | 15,00,000 |
| Other Income – interest, rent, etc. (₹ per year) | 50,000 |
| HRA Exemption (₹, old regime only) | 1,20,000 |
| Section 80C Investments (₹, max ₹1.5 lakh) | 1,50,000 |
| Section 80D Health Insurance (₹) | 25,000 |
| Own NPS – 80CCD(1B) (₹, max ₹50,000) | 0 |
| Home Loan Interest – Self-Occupied (₹, max ₹2 lakh) | 0 |
| Result | Value |
|---|---|
| Better Regime for You | New regime |
| You save | ₹75,660 |
| Tax under the new regime | ₹1,05,300 |
| Tax under the old regime | ₹1,80,960 |
| Old-regime deductions you claim (incl. HRA & standard) | ₹3,45,000 |
| Deductions needed for the old regime to break even | ₹6,06,250 |
Tips for using the Old vs New Regime Calculator
- Typical break-even levels (including the ₹50,000 standard deduction): about ₹5 lakh of deductions at ₹10 lakh salary, ₹5.94 lakh at ₹15 lakh and ₹8.5 lakh at ₹25 lakh.
- HRA and home-loan interest are the deductions most likely to tip the balance to the old regime.
- Do not invest in tax-saving products just to use the old regime — compare after the investments' own merits.