Tools / Old vs New Tax Regime
Old vs New Tax Regime Calculator
Enter your income and old-regime deductions to compare estimated tax under both regimes for FY 2025-26.
New regime tax (est.)
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Old regime tax (est.)
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Better option
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Slabs, rebate and standard deduction figures used are for FY 2025-26 (AY 2026-27) as per Budget 2025. Tax rules can change — always verify current figures on the official Income Tax e-filing portal before filing.
Frequently asked questions
What deductions should I enter for the old regime?
Add up everything you'd actually claim: Section 80C (up to ₹1.5L), 80D health insurance, HRA exemption, home loan interest, and any other old-regime-only deductions. The new regime doesn't allow most of these, so it isn't asked for that side.
Does this include surcharge for very high incomes?
No — this covers the slab tax, standard deduction and Section 87A rebate only. Surcharge (applicable above ₹50 lakh) is not included in this estimate.
Why is the new regime the default now?
Since FY 2025-26, the new tax regime is the default — you have to actively opt for the old regime when filing if it works out better for you.