What is Old vs New Tax Regime Calculator?
Old vs New Tax Regime Calculator helps you compare old and new regime income tax for FY 2025–26.
The main result is lower estimated tax, with a breakdown of old regime tax, new regime tax and difference. The formula, example and assumptions below explain how to interpret it.
How to use Old vs New Tax Regime Calculator
Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.
- Gather taxable income under old regime (₹), taxable income under new regime (₹), Indian tax residence and age at financial year end. Use values from the same situation or reporting period.
- Replace the example taxable income under old regime with your own value, then complete the other fields. Check the displayed units and each selected option.
- Select Calculate and read lower estimated tax with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
- Enter taxable income under old regime in ₹, at least 0. Decimals are accepted.
- Enter taxable income under new regime in ₹, at least 0. Decimals are accepted.
- Choose Indian tax residence from Resident individual and Non-resident individual.
- Enter age at financial year end, at least 0 and at most 120. Use a whole number.
Old vs New Tax Regime Calculator: a worked example
With the inputs below, the result is ₹1,09,200 (lower estimated tax). Follow the example, then replace these illustrative values with your own.
New regime has the lower estimate for these taxable incomes.
| Input or output | Example value |
|---|---|
| Taxable income under old regime (₹) | ₹12,00,000 |
| Taxable income under new regime (₹) | ₹15,00,000 |
| Indian tax residence | Resident individual |
| Age at financial year end | 30 |
| Lower estimated tax | ₹1,09,200 |
| Old regime tax | ₹1,79,400 |
| New regime tax | ₹1,09,200 |
| Difference | ₹70,200 |
Understanding the Old vs New Tax Regime result
New regime has the lower estimate for these taxable incomes.
Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.
- Example Old regime tax: ₹1,79,400
- Example New regime tax: ₹1,09,200
- Example Difference: ₹70,200
Old vs New Tax Regime Calculator: assumptions and common mistakes
A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.
- FY 2025–26 / AY 2026–27 ordinary-income estimate, including section 87A rebate, surcharge marginal relief and 4% cess. Enter taxable income after applicable deductions. Excludes special-rate income, agricultural-income integration, foreign tax relief and return-level rounding. This is not a calculation for a later tax year.
- For salary, include the relevant standard deduction in your taxable-income calculation: ₹50,000 old / ₹75,000 new for this financial year.
- Use the rate and eligibility rules that apply to your transaction. An example rate does not establish a tax liability or entitlement.
For wider guidance, visit Income Tax Department. The formula and scope of this specific tool are stated on this page.
