Tax
Old vs New Tax Regime Calculator
A focused side-by-side comparison of your tax liability under the Old and New regimes — the same engine as our Income Tax Calculator, framed around the regime decision itself.
Your details
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Recommended regime
New Regime
Tax under New Regime
₹97,500
Tax under Old Regime
₹1,01,400
You save
₹3,900
New Regime saves you ₹3,900 for FY 2025-26, based on the deductions you entered.
Slab data is for FY 2025-26 (Union Budget, Feb 2025). Verify against the latest Union Budget before filing.
New Regime tax₹97,500
Old Regime tax₹1,01,400
How this is calculated
Slab rates are applied to taxable income after regime-specific deductions, then a 4% Health & Education Cess is added; Section 87A rebate is applied where the taxable income falls under the rebate threshold.
Source: Slabs as per Union Budget, February 2025 (FY 2025-26). Always verify against the latest Budget.
Frequently asked questions
Which regime should I choose?
Whichever this calculator shows as cheaper for your actual income and deductions — as a rule of thumb, total deductions above roughly ₹3.5–4 lakh/year tend to favour the Old Regime.
Is this the same as the Income Tax Calculator?
Yes, same underlying engine — this page is framed specifically around the regime decision, with HRA and home loan interest defaulted in since those most often tip the balance toward the Old Regime.
Can I switch regimes every year?
Salaried individuals can choose a different regime each financial year; those with business income face restrictions on switching back to the Old Regime once they've left it.