Tax Regime Comparison Calculator
Old vs New tax regime side by side — see which one saves you more
Your Income & Deductions
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PPF, ELSS, EPF, LIC, etc. Cap ₹1.5L.
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New regime always uses ₹75,000 std. deduction — applied automatically.
Old Regime
Gross income₹ 12,00,000
Taxable income₹ 9,75,000
0k–3L @ 0%₹ 0
3L–5L @ 5%₹ 12,500
5L–10L @ 20%₹ 95,000
Health & education cess (4%)₹ 4,300
Total tax₹ 1,11,800
Take-home₹ 10,88,200
New Regime
Gross income₹ 12,00,000
Less: standard deduction− ₹ 75,000
Taxable income₹ 11,25,000
4L–8L @ 5%₹ 20,000
8L–12L @ 10%₹ 32,500
Less: 87A rebate− ₹ 52,500
Health & education cess (4%)₹ 0
Total tax₹ 0
Take-home₹ 12,00,000
Verdict
New regime saves you ₹ 1,11,800
Based on FY 2025-26 slabs and the deductions you entered. Surcharge for high incomes and special provisions are not modelled — consult a CA for filing.
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