Old vs New Regime
Find which tax regime saves you more — FY 2025-26
Employment
Affects standard deduction
Max ₹1.5L · includes employee EPF contribution
80D — Medical Insurance
Self + Family premium
Max ₹25K (self)
Parents' premium
Max ₹25K (parents)
Max ₹50K · over and above 80C limit
Employer NPS 80CCD(2)
Available in both regimes · max 10% of basic
Add your employer's NPS contribution here
New Regime wins
Save ₹1.12 L
Old Regime
₹1.12 L
Taxable: ₹9.75 L · Deductions: ₹2.25 L
Eff. 9.3%
New Regime
Best₹0
Taxable: ₹11.3 L · Std ded: ₹75K
Eff. 0.0%
New Regime saves you ₹1.12 L per year
Lower slab rates + ₹75K standard deduction outweigh losing deductions.
Old Regime — Deductions Applied
Tax Across Income Levels
Your bracket highlighted in solid colour.
Break-even 80C
₹8L+
Old = New at this 80C
Old eff. rate
9.3%
New eff. rate
0.0%
FY 2025-26 rules applied: New regime standard deduction ₹75K · 87A rebate up to ₹12L taxable income (Budget 2025) · Old regime standard deduction ₹50K · 87A rebate up to ₹5L taxable income. Surcharge not included; applies on incomes above ₹50L.
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FAQ
Old vs New Regime — FAQ
Common questions about this calculator
It depends on your deductions. New regime has lower slab rates but fewer deductions. If your deductions cross ₹3.75L (approx), Old Regime often wins.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.