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Old vs New Tax Regime Calculator

FY 2025-26 old-vs-new regime comparison with audited rebate and surcharge logic.

Income taxOld vs new regimeDeductions80C

Calculator Inputs

Configure your scenario

Lower Tax Outcome

₹1,98,640

Best choice: New Regime

Old Regime Tax

₹3,51,000

New Regime Tax

₹1,98,640

Tax Saved

₹1,52,360

By choosing the new regime

Surcharge Base

₹19,55,000

Uses taxable income, not gross income

Audit-critical rules

  • • 87A rebate is applied before surcharge and never against LTCG or STCG at special rates.
  • • Section 80D is split into self/family and parents buckets with independent caps.
  • • The surcharge threshold uses taxable income plus capital gains, not gross salary.
Old Regime Breakdown
Slab Tax₹3,37,500
Less Rebate u/s 87A-₹0
Slab Tax After Rebate₹3,37,500
LTCG Tax @ 12.5%₹0
STCG Tax @ 20%₹0
Surcharge₹0
Health & Education Cess @ 4%₹13,500
Net Tax Payable₹3,51,000

Taxable income: ₹17,50,000

Deductions applied: ₹2,30,000

New Regime Breakdown
Slab Tax₹1,91,000
Less Rebate u/s 87A-₹0
Slab Tax After Rebate₹1,91,000
LTCG Tax @ 12.5%₹0
STCG Tax @ 20%₹0
Surcharge₹0
Health & Education Cess @ 4%₹7,640
Net Tax Payable₹1,98,640

Taxable income: ₹19,55,000

Deductions applied: ₹0

What Is Old vs New Tax Regime Calculator?

The old vs new tax regime calculator helps you estimate the main numbers that matter before you commit to a financial decision. It is designed to give a fast, accurate answer while keeping the logic and the core assumptions transparent.

Use this calculator when you want a cleaner breakdown than a manual spreadsheet and when you need consistent Indian number formatting, clear supporting content, and related calculators for follow-up planning.

How To Use This Old vs New Tax Regime Calculator

  1. Enter the required inputs shown in the calculator widget for the old vs new tax regime calculator.
  2. Adjust values until the result matches the scenario you want to evaluate.
  3. Review the primary output cards first, then use the supporting explanation and FAQs below for context.

Formula Used In This Old vs New Tax Regime Calculator

This old vs new tax regime calculator uses the configured platform formula for the selected scenario and displays the most important variables in plain English.

Refer to the calculator notes and output definitions shown above for the active formula.

  • Each input changes the result in real time.
  • All outputs are formatted for Indian usage and quick comparison.

Example Calculation

A sample old vs new tax regime calculator scenario can be tested by entering the default values in the widget above and then adjusting one variable at a time.

That approach makes it easier to see which field has the biggest effect on the final result.

Tips

  • Use realistic values instead of optimistic assumptions.
  • Compare at least two scenarios before making a decision.
  • Review related calculators when your decision affects taxes, affordability, or returns.

Frequently Asked Questions