FY 2025-26 · Union Budget 2025
New vs Old Tax Regime
Enter your income and deductions. We'll tell you exactly which regime saves you more — and why.
Verified: February 2025 · Union Budget 2025
New RegimeDefault
- ✅Lower slab rates
- ✅Zero tax up to ₹12.75L (salaried)
- ✅Less paperwork
- ❌No 80C, 80D, HRA deductions
- ❌No home loan interest deduction
Old RegimeOptional
- ✅80C deduction up to ₹1.5L
- ✅HRA exemption available
- ✅Home loan interest deduction
- ❌Higher slab rates
- ❌More documentation required
Your Income & Deductions
Deductions only apply under the old regime — enter what you actually claim.
Income
Total income before any deductions (salary, business, other)
₹
Old Regime Deductions (leave blank if not applicable)
LIC, PPF, ELSS, NSC, home loan principal
₹
Health insurance for self, spouse, children
₹
Health insurance for parents
₹
Annual exempt HRA — calculate here
₹
Self-occupied property only
₹
Savings bank account interest
₹
80E education loan, 80G donations, NPS etc.
₹