Tax & Benefits

Old vs New Tax Regime Comparator

FY 2025-26 (AY 2026-27) · Enter your income and old-regime deductions to see which regime saves more tax.

Annual Gross Income (₹)

Employment Type

Salaried Non-salaried

Std deduction: ₹75,000 (new) · ₹50,000 (old) — salaried/pensioner only.

Age Category

Below 60 60–79 80+

Age affects old regime slabs only. New regime slabs are the same for all ages.

Employer NPS u/s 80CCD(2) (₹/month)

Annualised (×12). Deductible in both regimes.

Apply only to old regime. Leave at 0 if not applicable.

Section 80C (PPF, ELSS, LIC, EPF, etc.) — max ₹1,50,000

80D — Self & Family (max ₹25,000)

Limit is ₹50,000 if you or spouse are 60+.

80D — Parents (max ₹25,000)

Parents are senior citizens (60+) — limit becomes ₹50,000

HRA Exemption u/s 10(13A) (₹/year, pre-calculated)

Min(Actual HRA, 50%/40% of Basic, Rent paid − 10% of Basic). Not available in new regime.

Home Loan Interest u/s 24(b) (max ₹2,00,000 self-occupied)

Own NPS u/s 80CCD(1B) (max ₹50,000 — over & above 80C)

Other Deductions (80E, 80G, LTA, 80TTA/80TTB, etc.)

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Enter income to compare regimes.

Tax Comparison

Slab	Rate	Tax

Slab	Rate	Tax