🇮🇳 Income Tax Old vs New Regime Calculator — FY 2025-26
Enter your salary and deductions to instantly compare tax under both regimes. See which one saves you more money — updated for AY 2026-27.
Quick answer
FY 2025-26: compare old regime (deductions) vs new regime (lower slabs, ₹75k standard deduction)
The new regime uses updated slabs and a ₹75,000 standard deduction. The old regime allows 80C, 80D, HRA, and other deductions. Enter your numbers below to see which saves more tax.
Your income details
Enter amount in lakhs — e.g. 12 for ₹12,00,000
Old Regime Deductions (₹ Lakhs)
PPF, ELSS, LIC, home loan principal
Health insurance premium
House rent allowance
80E, 80G, NPS 80CCD(1B), home loan interest etc
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Enter your salary to compare regimes
Results update instantly
🆕 New Regime Slabs FY 2025-26
Std deduction: ₹75,000
| Taxable Income | Rate |
|---|---|
| ₹0 – ₹4.00 L | 0% |
| ₹4.00 L – ₹8.00 L | 5% |
| ₹8.00 L – ₹12.00 L | 10% |
| ₹12.00 L – ₹16.00 L | 15% |
| ₹16.00 L – ₹20.00 L | 20% |
| ₹20.00 L – ₹24.00 L | 25% |
| Above ₹24.00 L | 30% |
📋 Old Regime Slabs FY 2025-26
Std deduction: ₹50,000
| Taxable Income | Rate |
|---|---|
| ₹0 – ₹2.50 L | 0% |
| ₹2.50 L – ₹5.00 L | 5% |
| ₹5.00 L – ₹10.00 L | 20% |
| Above ₹10.00 L | 30% |
How to use and formula
How to compare old vs new regime
Enter gross salary in lakhs, then deductions available only under the old regime.
- Enter annual gross salary (lakhs).
- Add 80C, 80D, HRA, and other deductions for the old regime.
- Compare total tax, cess, and take-home for both regimes.
- Choose the regime with lower tax before filing your return.
Tax = slab tax on taxable income
Taxable income = gross − standard deduction − other deductions
Cess = 4% on tax + surcharge
Higher deductions usually favour the old regime; minimal deductions often favour the new regime.
Common mistakes to avoid
Ignoring surcharge and cess
High incomes attract surcharge; 4% health & education cess applies on tax plus surcharge.
Comparing regimes without the same gross income
Use identical salary, bonus, and other income when comparing old vs new.
Assuming HRA works in the new regime
Most Chapter VI-A deductions including HRA apply only under the old regime.
Using this for TDS filing without Form 16
Employer TDS and Form 16 may include exemptions not captured here.
Official source and review note
Rates and rules on this page were last reviewed in May 2026 against Income Tax Department, India. Use the linked authority for filing, registrations, or address-specific compliance.
Pick the regime that lowers your tax for FY 2025-26
Compare both regimes each financial year — your optimal choice can change when salary or deductions change.