Tax-Saving Calculator (Old vs New Regime)

⚡ In shortFind the regime that saves you the most for AY 2026-27, and see exactly how much more you could save by using 80C, 80D, HRA and NPS — free and instant. The calculator computes your tax under the new regime (₹75,000 standard deduction, income up to ₹12 lakh effectively tax-free via the 87A rebate) and the old regime (with your deductions), and shows which is cheaper. It then shows the additional saving if you max out 80C (₹1.5 lakh), 80D (₹25,000) and NPS 80CCD(1B) (₹50,000) under the old regime.

Open the free Tax-Saving Calculator (Old vs New Regime) →

How it is calculated

The calculator computes your tax under the new regime (₹75,000 standard deduction, income up to ₹12 lakh effectively tax-free via the 87A rebate) and the old regime (with your deductions), and shows which is cheaper. It then shows the additional saving if you max out 80C (₹1.5 lakh), 80D (₹25,000) and NPS 80CCD(1B) (₹50,000) under the old regime.

Frequently asked questions

Which tax regime should I choose?

Compute both. The old regime can win if your deductions are large (80C, 80D, HRA, home-loan interest); otherwise the new regime usually wins. This tool compares them for you.

How can I save more tax legally?

Use the deductions that fit you — 80C investments, 80D health insurance, HRA, home-loan interest and the extra ₹50,000 NPS deduction under 80CCD(1B) (old regime).

Is this tax advice?

No. The better choice depends on your numbers. Confirm with a CA before filing.

Related reading

India Law Simplified is an AI-assisted tool, not a substitute for a licensed CA or advocate. Tax rules and limits change with each Finance Act — verify before relying on any figure.