RapidCheck

Old vs New Tax Regime Calculator

Compare your tax under the old and new regimes and see which saves more.

Last updated: 21 Aug 2026

Quick answer

The better regime depends on your deductions. The new regime has lower slab rates but no 80C/HRA; the old regime taxes more but allows deductions. This tool computes both for FY 2024-25 and tells you which is cheaper. Enter your income and deductions above.

₹
₹
₹

Not sure which tax regime is better? This tool computes your FY 2024-25 tax under both the new and old regimes — factoring in your deductions — and shows which one saves you more.

How to compare old vs new tax regime

  1. 1 Enter your gross annual income.
  2. 2 Add your 80C and other old-regime deductions (HRA, 80D, home-loan interest).
  3. 3 We compute tax under both regimes (with cess and standard deduction).
  4. 4 You see the cheaper regime and the saving.

Frequently asked questions

Is the new regime always cheaper?
No — with large deductions (80C, HRA, home-loan interest, 80D), the old regime can beat the new one. This tool compares your specific case.
What deductions does the new regime allow?
Mainly the ₹75,000 standard deduction and employer NPS; it does not allow 80C, HRA or home-loan interest for a self-occupied home.
Which regime is the default?
The new regime is the default from FY 2023-24; you can still opt for the old regime when filing.

Related checkers

Income Tax Calculator Take-Home After Tax Calculator HRA Exemption Calculator