Compare Old vs New Tax Regime slabs and calculate take-home salary in India
The calculations and comparison reports provided on this tool are estimates for general reference. Please consult with a certified Chartered Accountant (CA) or qualified tax advisor to verify your tax liabilities before filing your Income Tax Return (ITR).
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Deciding between the Old and New tax regimes is a critical tax-planning decision for salaried professionals, corporate employees, and freelancers in India. For the Financial Year 2025-26, the standard deduction has been increased to ₹75,000 under the New Regime, while the rebate limit under Section 87A has been set to ₹12 Lakhs.
While the New Regime offers lower tax rates, it eliminates almost all major deductions. If you have significant investments, you may find the Old Regime is still more tax-efficient:
In FY 2025-26, the standard deduction is ₹75,000 for the New Tax Regime, and ₹50,000 for the Old Tax Regime.
Under Section 10(13A), the tax-free HRA is the lowest of: (a) actual HRA received, (b) 50% basic salary (for metros like Mumbai/Delhi) or 40% (for non-metros), or (c) actual rent paid minus 10% of basic salary.
Yes, employer contributions to NPS under Section 80CCD(2) are one of the few deductions permitted under the New Regime, up to statutory limits.