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Old vs New Tax Regime
Your income tax under each regime — see which is lower.

Your Income & Deductions

Enter your gross salary and the deductions you claim under the old regime to see which tax option is lower for your numbers.

Gross Annual IncomeYour total salary income for the year
₹3,00,000₹5,00,00,000
Deductions (Old Regime)80C + 80D + HRA + home-loan interest, etc.
₹0₹50,00,000
Old Regime
₹1,79,400
Total tax (incl. cess)
Taxable income₹12,00,000
Deductions used₹2,50,000
Effective rate12.0%
New RegimeFor your inputs
₹97,500
Total tax (incl. cess)
Taxable income₹14,25,000
Deductions usedStandard only
Effective rate6.5%
For your income and deductions, the new regime costs ₹81,900 less. The new regime is the default from FY 2024-25; the old usually wins only when your deductions are large. Based on your numbers — not tax advice.
Read before you compare
  • The new regime has lower rates but almost no deductions; the old has higher rates but allows 80C, 80D, HRA, home-loan interest and more.
  • This models salaried income with the standard deduction and a single deductions total — it ignores surcharge, special-rate income (capital gains), and marginal relief at the rebate edge.
  • Income up to ₹12 L is effectively tax-free under the new regime (₹5 L under the old) via the 87A rebate.
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AI Insights

DhanRadar AI

How much more deduction do you need for the old regime to win? At ₹15,00,000 income, the new regime’s standard deduction is ₹75,000. The old regime needs total deductions above roughly ₹2,50,000 to pull ahead — run the slider to find your break-even.

The rebate threshold is the biggest lever. Income up to ₹12 L is fully tax-free under the new regime thanks to the 87A rebate — an effective 0% rate even though slabs apply above ₹4 L. Under the old regime the nil-tax ceiling is ₹5 L. Once your income clears ₹12 L the new-regime advantage shrinks as the normal slab rates kick in.

For education only — not tax advice. An estimate at FY 2025-26 rates; surcharge and special incomes are not modelled. Consult a qualified professional.

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Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.