Old vs New Tax Regime
Compare tax liability under both regimes for FY 2025-26
Quick Answer — Old vs New Tax Regime
The Old vs New Tax Regime is a free online financial tool that helps you compare tax liability under both regimes for fy 2025-26. Enter your values above for instant, accurate results — no signup required. All calculations run privately in your browser.
Maintained by: Sagar Sahni, Calc Labz | Review: formula checks, worked examples, and periodic updates
Use with care: Finance and tax outputs are planning estimates only and should be checked against current rules.
Need a correction? Contact us with the calculator name and the issue you found.
Formula & Worked Example
The math behind the Old vs New Tax Regime
Mathematical Formula
Savings = Tax_{Old} - Tax_{New}Step-by-Step Worked Example
Frequently Asked Questions
Common questions about the Old vs New Tax Regime
Which tax regime should I choose — Old or New?
Can I switch between Old and New Regime every year?
What deductions should I consider before choosing?
Is HRA exemption available in the New Regime?
How much tax do I save by investing in NPS?
What is the Old vs New Tax Regime?
The Old vs New Tax Regime Comparator helps Indian taxpayers choose the most beneficial tax regime for FY 2025-26. Enter your income and all deductions (80C, 80D, HRA, NPS, home loan interest) to see which regime saves you more tax. The new regime offers lower rates but fewer deductions, while the old regime rewards tax planning.
How to Use the Old vs New Tax Regime
- Enter Gross Annual Income: Enter your gross annual income in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter HRA Exemption: Enter your hra exemption in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter 80C Investments (max ₹1.5L): Enter your 80c investments (max ₹1.5l) in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter NPS (80CCD(1B), max ₹50K): Enter your nps (80ccd(1b), max ₹50k) in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter Medical Insurance 80D: Enter your medical insurance 80d in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- Enter Home Loan Interest (24B): Enter your home loan interest (24b) in Indian Rupees (₹) in the input field. The calculator will validate your input automatically.
- View Your Results: The Old vs New Tax Regime displays your results instantly in the output panel. You will see the primary result along with a detailed breakdown of secondary outputs. Scroll down for charts, interpretations, and expert advice.
Key Features
- Instant Old vs New Tax Regime calculations with real-time updates
- No signup, no registration — 100% free forever
- All calculations happen in your browser — zero data sent to servers
- Works offline as a Progressive Web App (PWA)
- Mobile-friendly responsive design
- Verified financial formulas updated for 2026
Why Use Calc Labz Old vs New Tax Regime?
The Calc Labz Old vs New Tax Regime stands out because it combines accuracy with simplicity. Unlike other online calculators, we provide detailed breakdowns, step-by-step formulas, and actionable advice alongside your results. Our financial calculators are regularly updated to reflect current rates, rules, and standards for India (2026). Whether you are a student, professional, or just need a quick calculation — Calc Labz delivers reliable results instantly.
Key Terms & Glossary
- Principal
- The original amount of money borrowed or invested, before any interest is applied.
- Interest Rate
- The percentage charged on borrowed money or earned on invested money, usually expressed per annum.
- Compound Interest
- Interest calculated on both the initial principal and previously accumulated interest — "interest on interest."
- Amortization
- The process of spreading loan repayment into equal installments over a fixed period.
- Maturity
- The date on which a financial instrument (FD, bond, PPF) reaches its full term and the principal is returned.
- CAGR
- Compound Annual Growth Rate — the smoothed annual rate of return on an investment over a specified period.
Sources & References
Our Old vs New Tax Regime uses formulas and guidelines from the following authoritative sources: