Old vs New Tax Regime Calculator
Compare Old vs New tax regime for FY 2026-27. Enter your income and deductions to see exact tax under both — and the breakeven point where old regime starts winning.
Calculations are illustrative — consult a CA for filing decisions.
Total Tax (Annual)
₹0
Taxable Income
₹11,25,000
Effective Rate
0.00%
Std. Deduction
₹75,000
Other Deductions
₹0
Total Tax (Annual)
₹1,63,800
Taxable Income
₹11,50,000
Effective Rate
13.65%
Std. Deduction
₹50,000
Other Deductions
₹0
Want your take-home from CTC instead? Try the Salary In-Hand Calculator →
How to use this comparison
- 1Enter your gross annual income — This is your income before the standard deduction — from your salary slips, Form 16, or the Salary Calculator if you only know your CTC.
- 2Add any Old regime deductions you actually claim — 80C investments, health insurance, HRA, or home loan interest — leave any of these at zero if they don't apply to you.
- 3Set your age band if you're a senior citizen — This only changes the Old regime's basic exemption limit — the New regime has no senior citizen variant.
- 4Compare the two regime cards and read the breakeven line — The winner callout tells you which regime saves more today; the breakeven insight tells you how much more you'd need to deduct for the other regime to catch up.
New vs Old regime: what actually changed
The New tax regime has been the default since AY 2024-25 — if you want to use the Old regime, you have to actively opt in every year at the time of filing (salaried employees only; business income has tighter switching rules).
The New regime's appeal comes from two changes: a higher standard deduction (₹75,000 vs ₹50,000) under the Old regime, and the ₹12 lakh rebate threshold under Section 87A, which zeroes out tax entirely for anyone with taxable income at or below that level. Combined, these two changes mean the New regime wins for most salaried taxpayers who don't have significant deductions to claim.
The Old regime only pulls ahead once deductions are substantial — typically ₹3.5 lakh or more combined, such as a maxed-out ₹1.5L Section 80C plus home loan interest or a large HRA claim. Below that threshold, the New regime's lower slab rates and bigger standard deduction usually win outright.
If you want to work backward from your CTC to your gross income, use the Salary In-Hand Calculator. For a full worked example of how the two regimes diverge on a real ₹12L salary, read Why Your In-Hand Salary Is Less Than Your CTC →.