Compare your tax instantly and choose the best regime for maximum savings. Enter your salary, deductions and get a complete side-by-side breakdown — with smart recommendation. Updated for FY 2025–26.
Enter your annual income, age group, and deductions. Get instant tax calculation for both regimes, the savings difference, and a smart recommendation on which regime saves you more money.
Official tax rates for Old and New Regime — FY 2025–26 (AY 2026–27)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹2,50,000 | 0% |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Senior (60+): Exemption ₹3L. Super Senior (80+): Exemption ₹5L. No 5% slab for super seniors.
| Income Slab | Tax Rate |
|---|---|
| Up to ₹4,00,000 | 0% |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
New Regime: Same slabs for all age groups. Rebate u/s 87A: Full rebate if taxable income ≤ ₹7L (effectively 0 tax).
| Feature | Old Regime | New Regime |
|---|---|---|
| Standard Deduction | ₹50,000 | ₹75,000 (Budget 2024) |
| Section 80C | ✅ Up to ₹1.5 Lakh | ❌ Not Available |
| HRA Exemption | ✅ Available | ❌ Not Available |
| Section 80D (Medical) | ✅ Up to ₹25,000+ | ❌ Not Available |
| NPS 80CCD(1B) | ✅ Extra ₹50,000 | ❌ Not Available |
| Home Loan Interest | ✅ Up to ₹2 Lakh | ❌ Not Available (self-occ) |
| Rebate u/s 87A | ₹12,500 (taxable ≤₹5L) | ₹25,000 (taxable ≤₹7L) |
| Basic Exemption Limit | ₹2.5L (₹3L Senior, ₹5L Super) | ₹4,00,000 (all ages) |
| Default Regime | Must opt-in explicitly | Default from FY 2023-24 |
Visual comparison of Old vs New Regime tax at different income levels
* Old Regime shown with ₹2.25L deductions (80C ₹1.5L + 80D ₹25K + NPS ₹50K). Salaried with std. deduction included.
* Minimum total deductions required for Old Regime to be beneficial over New Regime at each income level (approximate).
Kab old regime, kab new regime — aur kaise bachaye maximum tax
Mere padosi uncle ek pensioner hain. Saalon ki mehnat ke baad unhe ek stable income milti hai, lekin jab tax calculation ka time aata tha, wo confuse ho jaate the. Unke liye old regime mein deductions samajhna alag problem tha — kaunse forms chahiye, kaunse investments count hote hain, kya proof dena padega.
Aur new regime mein kaunsa better hai — ye samajhna aur bhi mushkil tha. Wo baar baar apne CA dost ko call karte the ya neighbourhood mein kisi se poochte the. Har saal ek hi sawaal: "Mere liye kaunsa regime better rahega?"
Ek din unka confusion dekh ke mujhe laga — yeh problem sirf uncle ji ki nahi hai. Crores of Indians — salaried professionals, pensioners, small business owners — sab ke sab issi confusion se guzarte hain. Aur koi bhi inhe ek jagah pe dono regimes ka clear comparison nahi deta.
Tab maine decide kiya — ek aisa tool banaunga jahan koi bhi apni income aur deductions enter kare, aur ek second mein dono regimes ka full comparison, slab-wise breakdown, aur recommendation aa jaye. Taaki uncle ji jaise log bina CA ke paas gaye, ghar baithe khud samajh sake apna tax.
🎯 Made for Every Uncle Ji in IndiaIncome tax ek direct tax hai jo Indian government har us vyakti par lagati hai jiski annual income ek certain limit se zyada ho. India mein income tax Income Tax Act, 1961 ke under levied hota hai. Tax calculate hota hai aapki net taxable income par — jo aapki gross income minus allowable deductions hoti hai.
India mein income tax slab-based hai — matlab jitni income zyada, utna higher rate. Yeh progressive taxation system hai jo ensure karta hai ki higher earners zyada contribute karein. FY 2025–26 (Assessment Year 2026–27) ke liye do regimes hain — Old Regime aur New Regime — aur aap dono mein se choose kar sakte hain.
Dono regimes mein fundamental difference hai tax rates aur deductions ka. Old regime mein tax rates thodi higher hain, lekin aap bahut saari deductions claim kar sakte ho — jaise 80C (₹1.5L), HRA, home loan interest, medical insurance, NPS — jo aapki taxable income significantly reduce kar deti hain.
New regime mein tax rates bahut kam hain — especially ₹12L tak virtually zero effective tax — lekin zyada deductions available nahi hain. Only standard deduction (₹75,000 for salaried) milti hai. Isliye agar aapke paas high deductions hain, to old regime better ho sakta hai; agar deductions kam hain, to new regime likely better hoga.
Yeh question sabse zyada poochha jaata hai — aur honest answer hai: depends on your deductions. Ek simple rule of thumb:
Lekin ye rules of thumb hain — exact answer ke liye both regimes calculate karna zaroori hai. Isliye ye calculator exactly wahi karta hai — dono ka comparison ek click mein.
Old Regime mein maximum tax savings ke liye:
Pensioners ke liye — chaahe government pension ho ya private pension — woh taxable income mein count hoti hai. Lekin pensioners ko standard deduction milta hai (same as salaried). Senior citizens (60+) ko Old Regime mein ₹3L basic exemption milta hai, aur super seniors (80+) ko ₹5L. 80D mein senior citizens ke liye ₹50K medical insurance deduction milti hai.
Isliye zyaathar pensioners ke liye Old Regime often better hoti hai — especially agar unki income ₹5-10L range mein hai aur unke paas medical insurance + FD investments hain.
Manually tax calculate karna time-consuming hai aur calculation mistakes common hain. Ek income tax calculator India 2026 tool:
Ye tool FY 2025–26 ke latest slabs, rebates, surcharges, aur cess ke saath updated hai. Apna income enter karo — ek second mein apna poora tax picture clear ho jayega.
Common questions about income tax in India — Old vs New Regime
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