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Side-by-side comparison of tax liability under Old vs New Tax Regime for FY 2024-25 & FY 2025-26.
Saves ₹40,300 compared to other regime
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →The Old vs New Tax Regime Calculator is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
Compares lower slab rates in New Regime against deductions claimed in Old Regime.
Outdated tax slabs or omitting the latest standard deduction ₹75,000
Budget 2024 & Finance Act updated: ₹75,000 standard deduction, Section 87A ₹7 Lakh threshold, and post-budget capital gains.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
₹12 Lakh income with ₹1.5L 80C and ₹25k 80D.
New Regime Tax = ₹83,200 vs Old Regime Tax = ₹1,27,400. New Regime saves ₹44,200!
New Regime includes ₹75,000 standard deduction for salaried employees and Section 87A full tax rebate up to ₹7,00,000.
| Income Bracket | New Tax Regime Rate | Old Tax Regime Rate | Deductions Permitted? |
|---|---|---|---|
| ₹0 to ₹3,00,000 | Nil | Nil | Tax Free |
| ₹3,00,001 to ₹5,00,000 | 5% | 5% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹5,00,001 to ₹6,00,000 | 5% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹6,00,001 to ₹7,00,000 | 10% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹7,00,001 to ₹9,00,000 | 10% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹9,00,001 to ₹10,00,000 | 15% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹10,00,001 to ₹12,00,000 | 15% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹12,00,001 to ₹15,00,000 | 20% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| Above ₹15,00,000 | 30% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
Yes, salaried individuals can choose between Old and New Tax Regime every financial year at the time of filing their ITR.
Calculate exact monthly take-home salary from your annual CTC after EPF, PT, and Income Tax deductions.
Calculate your tax-exempt HRA amount under Section 10(13A) of the Income Tax Act.
Compare tax liability between Old and New Tax Regime for FY 2024-25 & FY 2025-26 with Section 87A rebate.
Discover which tax regime saves you more money based on your CTC, standard deduction of ₹75,000, 80C deductions, and HRA exemptions.
Complete breakdown of Section 87A rebate rules under both Old and New Tax Regimes, marginal relief calculations, and eligibility criteria.
Master the statutory 3-point rule under Section 10(13A) to calculate the exact tax-free House Rent Allowance in the Old Tax Regime.
Deepen your financial planning across interconnected tools. Every calculator within this cluster shares statutory logic and standardized Indian financial formulas.