Old Regime
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New Regime
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Compare Old vs New regime in seconds — HRA, 80C, NPS & more.
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It depends on your deductions. The New regime has lower slab rates but disallows most deductions (HRA, 80C, 80D). The Old regime has higher rates but lets you claim them. If your total deductions are large (HRA + full 80C + 80D + home loan), the Old regime often wins; otherwise the New regime usually does. This calculator computes both and tells you which saves more.
FY 2025-26 New regime slabs: up to ₹4 lakh nil, ₹4–8 lakh 5%, ₹8–12 lakh 10%, ₹12–16 lakh 15%, ₹16–20 lakh 20%, ₹20–24 lakh 25%, and above ₹24 lakh 30%. A standard deduction of ₹75,000 applies to salaried individuals, plus 4% cess.
Yes. Under the Section 87A rebate for FY 2025-26, a taxable income up to ₹12,00,000 results in zero tax in the New regime. For salaried individuals, the ₹75,000 standard deduction effectively makes income up to about ₹12.75 lakh tax-free.
HRA exemption (Old regime only) is the least of: (1) actual HRA received, (2) rent paid minus 10% of basic salary, and (3) 50% of basic salary for metro cities or 40% for non-metro cities.
No. The New regime does not allow 80C, HRA, 80D, or home-loan interest deductions. It only allows the standard deduction and the employer's NPS contribution under 80CCD(2). To claim 80C and HRA, choose the Old regime.
The trade-off, the break-even point, and how to decide.
Latest slab rates, standard deduction and Budget 2025 changes.
How the 87A rebate makes ₹12.75 lakh tax-free for salaried.
A worked old-vs-new comparison and the best deductions.
The least-of-three formula with worked examples.
Every ₹1.5 lakh option, plus 80D and ₹50k NPS.