Old vs New Tax Regime Comparator
FY 2025-26 · Budget 2025 Updated · Find Your Best Regime
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Budget 2025 Update
New Regime: No tax up to ₹12 Lakhs (with ₹75,000 standard deduction). Rebate u/s 87A = ₹60,000.
Your Income & Deductions
Annual Gross Salary (₹)
HRA Received / year (₹)
Annual Rent Paid (₹)
City
Metro Mumbai/Delhi/Chennai/Kolkata
Non-Metro
Section 80C (₹, max 1,50,000)
Health Insurance 80D (₹)
NPS Additional 80CCD(1B) (₹, max 50,000)
Home Loan Interest 24(b) (₹)
You Save
₹0
with New Regime
Old Regime Tax
₹0
Incl. 4% cess
New Regime Tax
₹0
Incl. 4% cess
Side-by-Side Breakdown
OLDNEW
Gross Salary₹0₹0
Standard Deduction₹50,000₹75,000
HRA Exemption₹0N/A
Other Deductions (80C+D+NPS)₹0N/A
Taxable Income₹0₹0
Tax (before cess)₹0₹0
Total Tax (incl. 4% cess)₹0₹0
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Frequently Asked Questions
It depends on your deductions. If your total deductions (80C + HRA + 80D + home loan + NPS etc.) exceed approximately ₹3.75 lakh (for ₹15L salary), the Old Regime may save more tax. Use this comparator to find your exact breakeven. If you have fewer deductions, the New Regime is generally better.
New Regime slabs: Up to ₹4L — Nil; ₹4–8L — 5%; ₹8–12L — 10%; ₹12–16L — 15%; ₹16–20L — 20%; ₹20–24L — 25%; Above ₹24L — 30%. Additionally, with a rebate under Section 87A (₹60,000), no tax is payable if taxable income ≤ ₹12L.
Salaried employees (without business income) can choose their regime every financial year when filing their ITR. Business owners can switch only once from New to Old. The New Regime is the default — you must specifically opt for the Old Regime each year.
The New Regime does not allow: HRA exemption, LTA, 80C (PF/PPF/ELSS/insurance), 80D (health insurance), 80TTA (savings interest), home loan interest under 24(b) for self-occupied, and most Chapter VI-A deductions. Only standard deduction (₹75,000) and NPS employer contribution (80CCD(2)) are allowed.
Surcharge applies on income above ₹50L: 10% surcharge (₹50L–1Cr), 15% (₹1Cr–2Cr), 25% (₹2Cr–5Cr), 37% (above ₹5Cr) under Old Regime. Under New Regime, the maximum surcharge is capped at 25%. Plus 4% Health & Education Cess applies on all tax.