Most people pick whatever their payroll defaulted to — and overpay. Enter your numbers and we compute your exact tax under both regimes, slab by slab, with the same verified engine behind our full report.
Annual figures, before deductions.
These mostly matter under the old regime — that’s the point of the comparison.
The verdictLive
Enter your salary on the left and both regimes are computed as you type — the exact slab-by-slab math, not an estimate.
Computed from the Income-tax Act figures for FY 2025-26 (slabs, standard deduction, §87A rebate, surcharge, cess). Illustrative — verify with a CA before filing.
This is the quick math
The full report also finds the deductions you’re missing, ranks them by rupees saved, cites each one to the law, and gives you a filing pack.
Get the full report freeThe new regime has lower rates and a bigger standard deduction, but gives up almost every deduction. The old regime keeps the deductions — HRA, 80C, 80D, home-loan interest — behind higher rates. Which one wins depends entirely on how much you actually claim.
| Taxable income | 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% |
Standard deduction: ₹75,000
| Taxable income | 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% |
Standard deduction: ₹50,000
Plus, under the new regime, the §87A rebate makes your tax nil up to ₹12,00,000 of taxable income (about ₹12,75,000 of salary after the standard deduction). Both columns above include the 4% cess and surcharge where applicable — the calculator handles all of it.
The new regime is the default. Salaried taxpayers can generally still choose the old regime each year when filing their return, so it is worth comparing both before you file.
Under the new regime for FY 2025-26, the §87A rebate makes the tax nil when your taxable income is up to ₹12,00,000. With the ₹75,000 standard deduction, that corresponds to roughly ₹12,75,000 of salary. Above that threshold the rebate no longer applies (with marginal relief just past it).
The main ones are the ₹75,000 standard deduction and your employer’s NPS contribution under §80CCD(2). Most other deductions — 80C, 80D, HRA exemption, home-loan interest on a self-occupied house — are only available under the old regime.
Typically when your combined deductions are large: high rent in a metro (HRA), a full ₹1.5 lakh of 80C, NPS, health insurance and home-loan interest together. The calculator runs your exact numbers through both regimes, so you don’t have to guess.
Yes — it runs the same deterministic engine as our full tax report, using the verified FY 2025-26 figures (slabs, standard deduction, §87A rebate, surcharge and cess). It is informational, not professional tax advice; verify with a CA before filing.
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