Old vs New Tax Regime Calculator
Find out which tax regime saves you more for FY 2025-26. Includes standard deduction, 80C, 80D, HRA, home loan, and more.
How to Use Old vs New Tax Regime Calculator
- Enter your gross annual salary. This is your total income before any deductions or standard deduction. The tool automatically applies the ₹75,000 standard deduction in the new regime and ₹50,000 in the old.
- Add your deductions. Input amounts for 80C (max ₹1.5L), 80D (max ₹1L), HRA exemption, home loan interest (max ₹2L), and any other deductions. These apply only under the old regime.
- Click Compare. The calculator computes tax under both regimes for FY 2025‑26, including 87A rebate where applicable and 4% cess.
- Read the winner card. Side‑by‑side stat cards show the tax under each regime and which one saves you money. Detailed slab‑wise breakup tables let you see exactly how the tax was computed.
Benefits of Old vs New Tax Regime Calculator
- Removes the guesswork of choosing a regime — input your actual deductions and the tool tells you which option is cheaper for your specific salary.
- Correctly applies the latest FY 2025‑26 slabs, including the ₹12 lakh rebate threshold in the new regime and marginal relief just above it.
- Shows a full slab‑wise breakup so you understand how each rupee is taxed, not just a final number.
- Completely private and offline; your salary details are never uploaded or stored.
Frequently Asked Questions
Can I switch between the old and new tax regime every year?
Yes, salaried individuals can choose annually. The calculator helps you decide each year based on your deductions. If you have business income, switching is restricted to once in a lifetime.
Is the ₹12 lakh rebate available in the old regime?
No. The rebate under Section 87A in the new regime makes tax zero for taxable income up to ₹12 lakh. In the old regime, the rebate only applies if taxable income is ₹5 lakh or below.
What if Budget 2026 changes the slabs?
The calculator uses FY 2025‑26 rates as the default. Toolzo will update the slabs if the government announces changes. You can also manually adjust the calculation as a rough estimate until it is updated.
Is Old vs New Tax Regime Calculator free and private?
Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.
Applied automatically. No input needed.
Old Regime Slab Breakup
New Regime Slab Breakup
Rates as per FY 2025-26 (AY 2026-27). Budget changes, if any, may alter slabs.
Disclaimer: Estimates only. Verify with a tax professional. Tax laws are subject to change.