Old vs New Regime Breakeven Calculator

Compare tax under both regimes, see the exact winner, and work out how much deduction the old regime needs before it becomes worthwhile. The whole calculation runs in your browser.

Step 1

Income & profile

Enter your income, age band, and whether you are comparing as a salaried or non-salaried taxpayer.

Updated 2026-07-26

Gross salary / income₹

Income type

Age group

Quick compare (skip deductions)

Turn this on to see a fast regime comparison using zero old-regime deductions.

Step 2

Old regime deductions

Use this section for a detailed comparison. The standard deduction is auto-filled and the caps are enforced in the calculation.

Standard deductionNon-editable

₹50,000

₹50,000 for old regime salaried / pensioners

80C investmentsCap ₹1,50,000

Health insurance - self / familyCap ₹25,000

Health insurance - parentsCap ₹25,000

Parents 60+? Use ₹50,000 limit

Home loan interest u/s 24(b)Cap ₹2,00,000

HRA exemptionUse our HRA calculator for this

NPS additional u/s 80CCD(1B)Cap ₹50,000

Other deductions80E, 80G, and similar claims

Results

Enter your gross income to see the comparison

The calculator will show new vs old regime tax, the winner, and the breakeven deduction once an income value is entered.

Computed per Section 115BAC ITA 1961 (≡ §202 ITA 2025) for FY 2026-27. Verify with a CA — individual circumstances vary.

Statutory basis

Verified inputs only

This calculator uses only the slab rates, deduction caps, surcharge bands, and rebate rules specified for FY 2026-27. If your fact pattern has a special rule, a CA should verify it before filing.

New regimeSection 115BAC ITA 1961 (≡ §202 ITA 2025), default regime for individuals / HUF without business income.

Old regimeSection 115BAC(6) ITA 1961 opt-in regime with age-based slabs and Section 87A rebate.

Surcharge and cessHigher-income surcharge bands with 4% health and education cess on tax plus surcharge.