Income Tax Calculator (Old vs New)
Compare your income tax under the old and new regimes for FY 2025-26 (AY 2026-27) — then see what investing the difference could grow to. Salaried, transparent slabs, no login.
Total salary income before any deductions
80C, 80D, HRA, home-loan interest, etc. (used for old regime only)
Return assumption if you invest the tax you save (% p.a.)
How long you keep redirecting the annual saving
Lower tax under the
New regime
Saves ₹1,13,100/year vs the other regime
New regime
₹97,500
6.5% effective
Old regime
₹2,10,600
14.0% effective
Invest that ₹1,13,100/yr for 20 years
₹94,16,969
at 12% CAGR — the real cost of picking the wrong regime
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Calculator guide
How to use the Income Tax Calculator (Old vs New)
Use this income tax calculator to compare old and new regime tax for FY 2025-26 and estimate what investing the annual saving could become.
Old regime vs new regime
The new regime usually works well for taxpayers with fewer deductions. The old regime can still be better when deductions such as 80C, HRA, 80D, or home-loan interest are meaningful.
This calculator keeps the comparison visible instead of hiding the calculation behind a single answer.
Why PaisaProof shows invested tax savings
A yearly tax saving is not just a one-year benefit. If you invest that saving consistently, it can compound into a separate goal corpus over time.
Frequently asked questions
Which financial year does this calculator use?+
It uses FY 2025-26, also known as assessment year 2026-27, for salaried estimates.
Is this tax advice?+
No. It is an estimate for comparison. Consult a qualified tax professional for filing decisions.
Does it include standard deduction?+
Yes. It applies salaried standard deduction assumptions for old and new regimes as noted in the result panel.