Smart Finance
Tools for Every Indian
Calculate, compare, and plan your taxes with precision. Built by CAs, designed for everyone.
Old Regime vs New Regime
FY 2025–26 (AY 2026–27) · Updated for Budget 2025 slabs.
Your tax breakdown appears here
Enter your income on the left and we’ll compute your exact liability — slab by slab.
This calculator is for guidance only and covers common income and deduction heads. Capital gains, foreign income and special-rate incomes are not included. For precise advice, talk to a BYF expert.
Which Regime Is
Right for You?
New Tax Regime
Zero tax up to ₹12 lakh income. Salaried individuals get ₹75,000 standard deduction, making the effective exemption ₹12.75 lakh. Simplified slabs, no deductions required.
Old Tax Regime
Claim 80C (₹1.5L), 80D health insurance, HRA exemption, home loan interest (₹2L), NPS 80CCD(1B) (₹50k), and 70+ other exemptions to reduce taxable income.
Rule of thumb
New regime suits most taxpayers with income under ₹15L and low investments. Old regime is better when total deductions exceed ₹3.75L (for ₹15L income bracket).