New vs Old Regime Calculator

This is a deductions question, not an income question

The new-vs-old regime decision doesn't have a single answer by income level — it depends entirely on how much a taxpayer can legitimately claim under Section 80C, 80D, HRA and home loan interest under the old regime. Two people earning the identical salary can land on opposite sides of the decision purely based on whether one has an active home loan and full 80C utilisation and the other doesn't.

That's why the useful output of this comparison isn't just "new regime wins" or "old regime wins" — it's the break-even deduction level: the amount of old-regime deductions at which the two regimes produce identical tax. Below that level, the new regime wins; above it, the old regime does.

Reading the break-even number

At ₹15,00,000 salary, for instance, that break-even sits at roughly ₹5,93,748 of total old-regime deductions (standard deduction plus everything itemized). Someone with an active home loan, full 80C investments and health insurance for the family can realistically clear that figure; someone with minimal deductions almost certainly can't — which is exactly why the new regime has become the default for a large share of salaried taxpayers since the 87A threshold rose to ₹12,00,000.