Old vs New Tax Regime Calculator (FY 2025-26)
Enter your salary and the deductions you already have — see which regime taxes you less.
CTC minus employer PF/gratuity — your gross taxable salary
EPF + PPF + ELSS + life insurance etc. (capped at ₹1.5L)
Self + family, capped at ₹25,000
Interest paid per year, capped at ₹2L in the old regime
Your eligible HRA exemption, if you rent (enter your computed amount)
New regime
₹97,500
tax per year, incl. 4% cess
Old regime
₹2.57L
tax per year, incl. 4% cess
You save ₹1.60L/year with the new regime.
Taxable income: ₹14.25L (new) · ₹14.50L (old, after your deductions)
Assumptions
- FY 2025-26 slabs; resident individual below 60, salaried.
- Standard deduction: ₹75,000 (new) / ₹50,000 (old). 4% cess included.
- Section 87A rebate applied in both regimes (incl. marginal relief in the new regime).
- Surcharge is not modelled — results above ₹50L income are underestimated.
- 80C is what you already invest — this tool never suggests investing more.
Taxes are one piece — see your whole money picture →
Muktify shows your Freedom Score and the date work becomes optional — from 4 numbers.
Calculate my Freedom Score →Educational estimate on your inputs — not tax advice. Verify with a tax professional before filing.
Not investment advice. Not SEBI-registered.