From FY 2024-25, the new tax regime is default for salaried taxpayers — but old regime with 80C, HRA and home loan deductions may still save tax for many. Pitara's old vs new tax regime calculator India 2025-26 compares side-by-side tax payable using updated slab tables stored in our data file.
New regime FY 2025-26 (simplified)
Standard deduction ₹75,000 for salaried. Slabs: nil up to ₹3L, then 5%, 10%, 15%, 20%, 30% on higher brackets. Most Chapter VI-A deductions do not apply.
Old regime — when it wins
If you claim large 80C (₹1.5L), 80D, HRA exemption or home loan interest under old regime, tax may be lower despite higher slab rates. Enter your deductions in the comparator to see.
Compare regimes
- Open Old vs New Tax Regime Comparator.
- Enter gross annual income and deductions.
- See tax under each regime and which saves more.
- Confirm choice with CA before ITR filing.
Upload Form 16 via Form 16 Summarizer and check Gratuity Calculator for exit benefits.
Frequently Asked Questions
Which regime is default in FY 2025-26?
New tax regime is default unless you opt for old regime in ITR.
Does new regime allow 80C?
Most Chapter VI-A deductions apply only under old regime in this comparison.
Is 4% cess included?
Yes — health and education cess is included in tax output.
Can I switch regime every year?
Salaried employees can generally choose each year — confirm rules with CA.
Try it free
Use our Old vs New Tax Regime Comparator tool — runs in your browser, no upload required.
Open Old vs New Tax Regime Comparator