Enter your gross salary once and instantly compare your income tax under both the new and old regime for FY 2025-26.
Most 80C, 80D and HRA deductions apply only under the old regime. The new regime allows just the ₹75,000 standard deduction, so those fields don't change its result.
| Income slab | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 to ₹8,00,000 | 5% |
| ₹8,00,001 to ₹12,00,000 | 10% |
| ₹12,00,001 to ₹16,00,000 | 15% |
| ₹16,00,001 to ₹20,00,000 | 20% |
| ₹20,00,001 to ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction: ₹75,000. Section 87A rebate: up to ₹60,000 for taxable income up to ₹12,00,000, making tax nil, with marginal relief just above that mark. A 4% health and education cess applies on top.
| Income slab | Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 to ₹5,00,000 | 5% |
| ₹5,00,001 to ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard deduction: ₹50,000. Section 87A rebate: up to ₹12,500 for taxable income up to ₹5,00,000. Allows 80C (up to ₹1,50,000), 80D, HRA exemption, home loan interest and other deductions the new regime doesn't.
Enter your gross salary once, along with any 80C, 80D or HRA amounts you can claim. The tool runs your income through both the new regime slabs (with just the standard deduction) and the old regime slabs (with your declared deductions applied), then shows the tax payable under each side by side, along with which regime saves you more.
Yes, for FY 2025-26. The Section 87A rebate up to ₹60,000 cancels tax on taxable income up to ₹12,00,000. With the standard deduction, gross salary up to ₹12,75,000 pays no tax.
Without large deductions, the new regime is usually cheaper. With substantial 80C, 80D or HRA claims, the old regime can still win. Compare both above.
Yes, since FY 2023-24. You must actively opt for the old regime if you want to use it.