Old vs New Tax Regime Calculator
Tax & SalaryCompare both regimes side by side, and find the deductions that tip the balance.
Runs entirely in your browser — nothing is uploaded
Features
- Both regimes computed on the same income.
- The break-even deduction level — the number that actually decides it.
- Effective rate under each.
- Results update as you type, with no button to press.
How to use the Old vs New Tax Regime Calculator
- 1Enter your annual income.
- 2Set the deductions you would genuinely claim under the old regime.
- 3Read which regime wins and by how much.
Frequently asked questions
What are break-even deductions?
The amount you would need to claim under the old regime for it to cost the same as the new one. Claim more and the old regime wins; claim less and the new one does. It is the single number the choice turns on, and most comparison tables never show it.
Which regime is better for a salaried person?
For most people with modest deductions, the new regime — the lower rates and the ₹12 lakh rebate cover a lot. The old regime tends to win for those paying substantial rent in a metro, servicing a home loan, and using the full 80C and 80D limits together.
Can I switch between regimes?
Salaried taxpayers without business income may choose afresh each year when filing. Those with business or professional income can move from the new regime to the old only once, and cannot return afterwards while the business continues.
Which deductions count towards the comparison?
80C investments, 80D health insurance, the HRA exemption, home-loan interest under section 24, NPS under 80CCD(1B), and the rest of the old-regime set. Only count what you will actually claim — intended deductions that never happen are the usual reason people pick wrong.