Side-by-side computation under the old and new TDS regimes for FY 2025-26. Includes 80C, 80D, HRA, NPS, and the standard deduction. Shows the breakeven income.
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The old regime offers higher slab rates but allows deductions (80C, 80D, HRA, NPS). The new regime offers lower slab rates but disallows most deductions, except for the standard deduction and NPS employer contribution.
Whichever regime gives the lower tax for a given employee depends on the size of the deductions claimed. Below a deduction threshold, the new regime wins; above it, the old regime.
At low incomes, the new regime's lower slabs almost always produce a lower tax. At high incomes with large 80C, 80D, HRA, and NPS claims, the old regime's deductions push the effective tax below the new regime's flat slabs.
The breakeven moves with the deduction profile. The calculator surfaces the breakeven so you can see whether the employee is firmly in one regime or the other.
Employees declare regime preference at the start of the financial year, and the declaration sticks for the year. Switching mid-year is not generally allowed. The calculator helps employees decide before the declaration window opens.
Salaried employees can switch year over year; business income earners face stricter switching rules under the new regime.
No. As of FY 2025-26 the new regime is the default but employees can opt for the old regime if it produces a lower tax. The choice is made via Form 10-IEA at the start of the year.
No. Most major exemptions including HRA, LTA, and Section 80C are disallowed under the new regime. The standard deduction and NPS employer contribution are the main exceptions.
We track the Finance Act each year and update slabs within a week of notification. The current calculator reflects FY 2025-26 slabs.
Yes. The age-based exemption thresholds (60+ and 80+) apply only under the old regime. The calculator surfaces the appropriate threshold based on the age input.
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