Enter your salary and deductions — see exact tax under both regimes instantly. Find out which regime saves you more money in seconds.
⚡ Quick Answer: Choose New Regime if your total deductions are under ₹3.75 lakh OR your income is below ₹7L (zero tax via 87A). Choose Old Regime if you can claim HRA + 80C + NPS + 80D exceeding ₹3.75 lakh. Use the calculator below to see your exact numbers in seconds.
The breakeven point is approximately ₹3.75 lakh in total deductions (including ₹50,000 standard deduction). If your eligible deductions — 80C + HRA + NPS + 80D + home loan interest — exceed ₹3.75 lakh, old regime saves more tax. Below that threshold, new regime wins.
| Income Slab | Tax Rate |
|---|---|
| Up to ₹3,00,000 | 0% |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
| Income Slab | Tax 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% |
Last updated: May 20, 2026 — FY 2025-26 (AY 2026-27). Tax rules subject to change. Verify with a qualified CA for personalized advice. Read our full guide →