Free · Full deductions breakdown
Old vs New Tax Regime Calculator
Enter your income and every deduction — 80C, 80D, HRA, home loan, NPS — and instantly see which regime saves you more tax.
✅ All major deductions covered✅ Side-by-side comparison✅ Savings highlighted
Assessment Year:
How it works
- 1
Enter your gross annual income (CTC or total income).
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Add your old-regime deductions: Section 80C investments, health insurance (80D), HRA exemption, home loan interest, NPS, etc.
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The calculator computes your exact tax under both regimes simultaneously.
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See the difference — the better regime is highlighted along with exact savings.
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Our CA will optimise your filing to ensure you claim the correct regime and every deduction.
Frequently asked questions
- Yes — salaried individuals with no business income can switch between old and new regime every year at the time of filing. Business income taxpayers can switch only once.
- The new regime allows very limited deductions: standard deduction (₹75,000 for salaried), employer NPS contribution (80CCD(2)), and a few others. Most of 80C, 80D, HRA, and home loan deductions are not available.
- No. HRA exemption u/s 10(13A) is not available in the new tax regime. If you pay significant rent, the old regime may be more beneficial.
- For most salaried individuals, if total Chapter VI-A deductions + HRA + home loan interest exceed ₹3.75L (for a ₹15L income), the old regime usually wins. The exact break-even depends on your income level.
Can I switch regimes every year?▾
What deductions are allowed under the new regime?▾
Is HRA exemption available in the new regime?▾
What is the crossover point — when is old regime better?▾
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You've used the Old vs New Tax Regime Calculator — the next step is to file accurately and claim every deduction. Our ITR Filing service starts at ₹799.
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