Enter basic pay, DA, HRA, 80C and NPS — see your exact tax under both regimes and which one saves you more.
Everything stays in your browser — nothing is saved on any server
With all allowable deductions
Lower slab rates + ₹75K std dedn
Lets you claim HRA, 80C, NPS 80CCD(1B) and home loan interest — best if your deductions add up to a large amount.
Lower tax rates and a higher ₹75,000 standard deduction, but no HRA, 80C or NPS 80CCD(1B) — best if you claim few deductions.
Both regimes give a full tax rebate if your taxable income stays under their respective threshold — ₹5L (Old) or ₹7L (New).
Salaried employees without business income can pick whichever regime is better for them each financial year — no lock-in.
It depends on how much you claim in deductions. If your HRA, 80C and other deductions are high relative to your income, the Old Regime usually saves more tax. If you claim few deductions, the New Regime's lower slab rates usually work out better.
Salaried individuals without business income can choose between Old and New Regime every financial year when filing their return. Those with business income have more restricted switching rules.
Under the New Regime, salaried employees get a standard deduction along with employer's NPS contribution under Section 80CCD(2). The Old Regime allows a smaller standard deduction but permits HRA, 80C, NPS 80CCD(1B) and other deductions on top.
This tool covers the standard salaried-employee case with common deductions. It does not account for marginal relief under Section 87A near rebate thresholds, surcharge for very high incomes, or capital gains — for those situations, please verify with a tax professional.