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Old regime or new — which actually saves you more?

The right regime depends entirely on how much you can claim in deductions, not a rule of thumb. Enter your numbers and see the real comparison.

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Before you calculate

Two regimes, two very different trade-offs

The New Regime offers lower slab rates but allows almost no deductions beyond the standard deduction. The Old Regime has higher slab rates but lets you claim HRA, Section 80C, 80D, home loan interest, and more. Whichever gives you the lower final tax is the one worth choosing — this calculator does that comparison directly.

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Compare both regimes side by side

Enter your annual income and what you can claim under the Old Regime — for a precise recommendation, book a consultation

Annual income (₹)

Deductions under Old Regime — 80C, 80D, HRA, home loan interest, etc. (₹)

Estimated extra savings

₹ 1,17,000

New Regime — total tax₹ 0

Old Regime — total tax₹ 1,17,000

by choosing the New Regime

The New Regime saves you ₹ 1,17,000 on ₹12,00,000 annual income, given ₹1,50,000 in Old Regime deductions.

Illustrative estimate for FY 2025-26 — the New Regime assumes only the standard deduction (₹75,000); the Old Regime assumes its standard deduction (₹50,000) plus the additional deductions you enter above. Book a consultation for an exact figure tailored to your full return.

In plain language

Why the "right" regime isn't the same for everyone

New Regime — lower rates, fewer deductions

Lower slab rates and a ₹75,000 standard deduction, but HRA, 80C, 80D, and most other deductions aren't allowed.

Old Regime — higher rates, more deductions

Higher slab rates and a smaller ₹50,000 standard deduction, but HRA, 80C, 80D, home loan interest, and more are all available.

The crossover point

The more you can genuinely claim under the Old Regime, the more likely it is to win — there's a real breakeven point, not a fixed answer.

Questions

Frequently asked

01Can I switch between regimes every year?

If you have only salary income, yes — you can choose either regime each year when you file. If you have business or professional income, switching back to the Old Regime after opting for the New Regime is more restricted.

02Which regime is the default now?

The New Regime is the default since FY 2023-24. If you want the Old Regime, you need to actively opt for it when filing.

03Does this calculator account for HRA and 80C separately?

It uses a single combined "Old Regime deductions" figure for simplicity. For an exact breakdown of what you can claim under each section, book a consultation.

04I have both salary and business income — does the comparison still work?

The core comparison logic is the same, but business income has additional rules around switching regimes. Worth discussing your specific case with us.

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Where to go next

ITR-1 Return Filing

For straightforward salaried income — one employer, one house property, no capital gains.

2–3 daysExplore Service

Tax Planning & Advisory

A yearly sit-down to structure your income, deductions, and regime choice for the least tax, legally.

OngoingExplore Service

HRA Calculator

Check how much of your HRA is exempt before deciding which regime claims it better.

Free toolExplore Service

Learn more

Vol. 01Old vs New Tax Regime: Which Should You Pick?A plain-language comparison to help you decide what actually saves you money.Guide01 / 03 Vol. 02The Deductions You Lose Under the New RegimeA complete list of what's no longer claimable, and who it affects most.Guide02 / 03 Vol. 03Can You Switch Regimes Every Year?The rules on switching are different for salaried employees versus business income.Guide03 / 03

Selected · Vol. 02

The Deductions You Lose Under the New Regime — A complete list of what's no longer claimable, and who it affects most.

Read article

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Old regime or new — which actually saves you more?

Two regimes, two very different trade-offs

Compare both regimes side by side

Why the "right" regime isn't the same for everyone

New Regime — lower rates, fewer deductions

Old Regime — higher rates, more deductions

The crossover point

Frequently asked

Where to go next

ITR-1 Return Filing

Tax Planning & Advisory

HRA Calculator

Related articles

Let's figure out exactly what your situation needs.

Thank you — we've received your details.

Old regime or new — which actually saves you more?

Two regimes, two very different trade-offs

Compare both regimes side by side

Why the "right" regime isn't the same for everyone

New Regime — lower rates, fewer deductions

Old Regime — higher rates, more deductions

The crossover point

Frequently asked

Where to go next

ITR-1 Return Filing

Tax Planning & Advisory

HRA Calculator

Related articles

Let's figure out exactly what your situation needs.

Thank you — we've received your details.