What is an Income Tax (Old vs New Regime) Calculator?
An Income Tax Calculator compares the tax you would pay under the old and new tax regimes for FY 2025-26, using your income and deductions, and shows which one costs less.
The new regime has lower slab rates, a ₹75,000 standard deduction and a rebate that makes income up to ₹12 lakh tax-free, but allows very few deductions. The old regime keeps deductions such as 80C, 80D, HRA and home loan interest. Which is better depends on how much you can claim.
How to use the Income Tax (Old vs New Regime) Calculator
- Enter yearly salary income.
- Select age.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Salaried employees choosing a regime for the year
- People with large deductions under 80C, 80D or home loan interest
- Pensioners and senior citizens checking their tax
Key terms
- Salary income
- Your gross yearly salary before deductions.
- Deductions
- Amounts you can subtract under the old regime, such as 80C investments and health insurance.
- Standard deduction
- A flat deduction from salary: ₹75,000 in the new regime and ₹50,000 in the old.
- Cess
- A 4% health and education cess added to the tax.
Frequently asked questions
Which regime is the default?
The new regime is the default. You must choose the old regime if you want it.
Is income up to ₹12 lakh tax-free?
Yes, under the new regime, through the section 87A rebate. Salaried people get ₹75,000 more through the standard deduction.
Can I switch regimes every year?
Salaried people can usually choose each year when filing. Business income has stricter rules.
Does it include surcharge?
No. Surcharge applies to income above ₹50 lakh and is not included.
Is my data stored?
No. All figures stay in your browser.
Last updated: 1 November 2026