Old vs New Regime Income Tax Calculator
Estimate Indian income tax for FY 2025-26 (AY 2026-27). Old-regime deductions are ignored when the new regime is selected.
Old vs New Regime Income Tax Calculator
Estimate Indian income tax for FY 2025-26 (AY 2026-27). Old-regime deductions are ignored when the new regime is selected.
Calculation guide
How to use the Old vs New Regime Income Tax Calculator
Estimate Indian income tax for FY 2025-26 (AY 2026-27). Old-regime deductions are ignored when the new regime is selected. This tool is designed for Indian users who want a quick estimate before comparing options, speaking with an advisor, or committing money. It helps you estimate tax impact, compare regimes, and understand deductions before making salary or investment decisions.
What this calculator answers
Your estimated income tax under the old and new regimes, so you can see which regime leaves you with more take-home income.
Practical tip
Tax rules change with each Union Budget. Check the financial year shown in the calculator and confirm with Form 16 or AIS before filing.
Worked example
Under the new regime announced in Budget 2025, a salaried person with income up to about Rs 12.75 lakh (after the Rs 75,000 standard deduction) can pay zero tax because of the Section 87A rebate. Someone with large HRA, 80C and home loan deductions may still do better under the old regime.
Want the full picture first? Read our Income tax guide.
Formula and methodology
Tax calculators apply slab-based rules, eligible deductions, exemptions, surcharge or cess assumptions where relevant, and then estimate net liability from the entered income details.
WealthWiseGrow keeps calculator inputs private in your browser wherever possible. The result should be treated as an educational estimate and reviewed against the official product terms, bank quote, fund document, tax rule, or salary structure that applies to your situation.
Example interpretation
For example, the new regime may look simpler, but the old regime can still work better for users with HRA, 80C, home loan interest, medical insurance, or other deductions. A calculator makes the comparison visible.
After calculating, compare at least two scenarios: a conservative case and an optimistic case. This helps you avoid planning around a single number that may not survive changes in income, interest rates, inflation, tax rules, or market returns.
Key assumptions
- - Tax rules can change after the Union Budget or official notifications.
- - The result is an estimate and should be verified with Form 16, AIS, or a qualified tax professional before filing.
- - State-specific, employer-specific, or special-case rules may need manual adjustment.
Common mistakes
- - Choosing a tax regime without comparing deductions.
- - Assuming every allowance is automatically tax-free.
- - Using outdated slab information after a Budget change.