Old vs New Tax Regime Calculator

Find out which income tax regime saves you more money and calculate the exact break-even deductions needed.

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Understanding the Break-Even Point

The break-even deduction is the exact rupee amount of tax-saving investments (Section 80C, 80D, HRA exemption, and home loan interest) required before the Old Regime matches the lower slab rates of the New Regime.

Rule of Thumb:If your total deductible investments and exemptions are less than the calculated break-even threshold, the New Tax Regime will yield higher monthly take-home pay.
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Frequently Asked Questions

Everything you need to know about salary structures, tax rules, and deductions.

For most employees without substantial investments or rent receipts, the New Tax Regime is more beneficial due to lower slab rates, a ₹75,000 standard deduction, and zero tax on taxable income up to ₹12,00,000. The Old Regime is only advantageous if your aggregate deductions (HRA, 80C, 80D, Home Loan interest) exceed the break-even threshold.

Under the New Tax Regime, personal exemptions like Section 80C (PPF, ELSS, EPF), 80D (Health Insurance), and HRA are disallowed. Salaried taxpayers are primarily eligible for the ₹75,000 standard deduction and employer NPS contribution deductions under Section 80CCD(2).

Yes. Salaried taxpayers without business or professional income can choose or switch between the Old and New tax regimes each financial year at the time of filing their Income Tax Return (ITR).