Income Tax. Old vs New.
Stop guessing which regime to pick. Enter your income and deductions — we compute both and tell you which one saves more, and by exactly how much.
Old regime or new — which saves more?
Enter your income and deductions. We'll compute both regimes and tell you which one costs less, and by how much.
Old regime vs new regime — how the choice works
India lets you pick between two income-tax regimes each year. The new regime has lower slab rates and a generous Section 87A rebate (taxable income up to ₹12L is tax-free for FY 2025-26) but disallows most deductions. The old regime keeps 80C, 80D and HRA. The right choice depends on how much you actually deduct — so the only honest answer is to compute both.
Indian SaaS context: For most salaried earners below ₹12L, the new regime now wins outright thanks to the expanded rebate. The old regime tends to win only at higher incomes with large, genuine deductions (full 80C, high HRA, home-loan interest). Surcharge above ₹50L is not included here.
Frequently asked questions
Should I pick the old or new tax regime?+
It depends entirely on your deductions. The new regime has lower rates and a large rebate (income up to ₹12L is effectively tax-free) but disallows 80C, 80D and HRA. The old regime keeps those deductions. If you claim substantial deductions, the old regime can still win — this calculator shows exactly which is cheaper for you.
What is the Section 87A rebate?+
It's a rebate that makes tax zero below a threshold. In the new regime (FY 2025-26) it covers taxable income up to ₹12,00,000; in the old regime up to ₹5,00,000. That single feature is why the new regime is tax-free for most salaried earners under ₹12L.
Does this include surcharge?+
No. For incomes above ₹50L a surcharge applies on top of the tax shown here. This calculator covers slab tax, the 87A rebate and 4% cess — enough for most taxpayers. For high-income surcharge planning, consult an advisor.
Need more than a calculation? Bryck Tax has the full answer.
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