Reviewed by Artha Research·Last updated 8 April 2026
Tax Regime Comparison Calculator
Compare India's old and new tax regimes to see which one leaves more take-home income under your deduction profile.
Inputs
Stress-test the old vs new regime decision under your specific deduction profile.
Monthly take-home (new regime)
₹1,47,333
New regime wins
The lower slab rates and higher standard deduction beat your current deduction stack.
Don't force deductions just to chase the old regime unless they fit your wider plan.
Gross income
₹19.5L
Old regime tax
₹2.9L
New regime tax
₹1.8L
Annual difference
₹1,05,040
Tax savings the winning regime delivers each year.
Take-home (old)
₹1,38,580
Take-home (new)
₹1,47,333
Benchmarks
Old regime vs new regime
+5.4%You
₹1.5L
Benchmark
₹1.4L
The new regime wins by simplicity
Lower slab rates and the larger standard deduction beat your current deduction stack.
Annual saving vs old
₹1,05,040
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
What loan can this take-home actually carry?
Translate the post-tax monthly figure into a safe home-loan budget.
Walk through the old-vs-new regime comparison
See the slab-by-slab breakdown that produced the verdict above.
Could this take-home fund early retirement?
Run the FIRE calculator with your post-tax cash flow as the contribution.
At a glance
- What it does
- Computes tax under both old and new regimes at AY 2026-27 slabs, applies your eligible deductions, and picks the winner.
- Quick rule
- New regime wins for most salaried users. Old regime wins only when 80C + HRA + home-loan interest together exceed roughly ₹5L/year.
- What's different vs salary-tax
- Same engine, different framing — this page focuses on the regime decision; the salary-tax calculator focuses on monthly take-home.
- Best used for
- Deciding which tax regime to elect at the start of each financial year.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Gross taxable income is reduced by the applicable standard deduction and eligible deductions.
- Tax is then applied using the corresponding slab structure and cess assumptions.
- The lower final tax outgo determines the better regime.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- This page uses the same AY 2026-27 assumptions as the salary calculator.
- Surcharge and special-rate income are not included in the quick comparison.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Can the old regime still win?
Yes, especially if you claim strong HRA, 80C, 80D, and home-loan deductions.
Why do many salaried users prefer the new regime now?
Because it is simpler and often competitive when deductions are modest.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
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