Old vs New Regime Calculator
Compare tax under both regimes side by side and see which saves more.
Enter your details
How it is calculated
New regime = slab tax on (income − ₹75,000 standard deduction − employer NPS) with 87A rebate, surcharge and 4% cess.
Old regime = slab tax on (income − ₹50,000 standard deduction − HRA − 80C − 80D − 80CCD(1B) − 24(b) − other deductions) with 87A rebate (up to ₹12,500), surcharge and 4% cess.
The calculator shows both totals and the difference.
Worked example
Gross salary ₹15,00,000, age 35, with HRA exemption ₹1,20,000, 80C ₹1,50,000, 80D ₹25,000 and NPS 80CCD(1B) ₹50,000. New regime: taxable ₹14,25,000, tax = ₹93,750 + 4% cess = ₹97,500. Old regime: deductions = 50,000 + 1,20,000 + 1,50,000 + 25,000 + 50,000 = ₹3,95,000, taxable ₹11,05,000; slab tax = 12,500 + 1,00,000 + 1,500... = ₹1,13,500 ... (₹1,10,000 + 30% × 1,05,000 would apply only above ₹10 lakh: 12,500 + 1,00,000 + 31,500 = ₹1,44,000); with cess ₹1,49,760. The new regime is cheaper by about ₹52,000 here.
About the Old vs New Regime Calculator
Compare tax under both regimes side by side and see which saves more. This free tax tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for financial year, age of taxpayer, annual gross salary / pension, other income (interest, rent, etc.), basic salary + da per year (optional), employer nps contribution 80ccd(2) and a few more details. Optional switches: parents are senior citizens (60+). Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
At what deduction level does the old regime start winning?
It depends on income. As a rough guide, for a salary of about ₹15 lakh the old regime needs total deductions (including standard deduction and HRA) in the region of ₹4.5-5 lakh to match the new regime. Enter your own figures to see the exact answer.
Can I switch regimes every year?
Salaried individuals without business income can choose the regime each year while filing the return. Taxpayers with business or professional income can switch back to the old regime only once. Check the latest rules on incometax.gov.in.
Does my employer need to know my choice?
Yes, you declare the preferred regime to your employer for TDS purposes, but you can still pick the other regime when you file your ITR and claim any difference as refund.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.