Tax Intelligence

Old vs New Regime — Which Saves You More Tax?

Compare your exact tax liability under both regimes for FY 2025-26, including 80C, 80D, HRA, NPS, and home loan interest deductions.

Compare My Tax
Exact tax calculation for FY 2025-26 slabs, both regimes
Covers 80C, 80D, 80CCD(1B) NPS, Section 24B home loan interest, and HRA
Instant recommendation on which regime saves you more
No login required to see your estimated tax liability

How it's calculated

1
Enter your gross salary and deductions
Input your CTC, HRA received, rent paid, 80C investments, health insurance premium, and home loan interest.
2
We calculate tax under both regimes
Old regime applies your deductions against applicable slabs; New regime applies the lower, deduction-free slabs.
3
Direct comparison, no guessing
See side-by-side tax payable under each regime, with the recommended option highlighted.
4
Find missed deductions
If you're in the Old regime, Fiiuno flags any common deductions you may not have claimed yet.

Benchmarks we use

₹1.5L
80C investment limit
Maximum deduction available under Section 80C in the Old regime (PPF, ELSS, life insurance, etc).
₹50K
NPS additional deduction (80CCD1B)
Extra deduction available for NPS contributions, over and above the 80C limit.
₹25K/₹50K
80D health insurance limit
Deduction limit for self/family (₹25K) and senior citizen parents (₹50K) health insurance premiums.

Frequently Asked Questions

Which regime is better for most salaried employees?
It depends on how many deductions you claim. If your 80C, HRA, and home loan deductions exceed roughly ₹3.5-4L combined, the Old regime is usually better. Otherwise, the New regime's lower slabs often win.
Can I switch between regimes every year?
Salaried individuals can choose either regime each financial year when filing returns. Business income earners have restrictions on switching back.
Does this calculator account for surcharge and cess?
Yes, the calculation includes applicable health and education cess. Surcharge is applied automatically if your income crosses the relevant threshold.
Is this official tax filing advice?
No. This is an educational calculator for planning purposes. For actual filing, consult a Chartered Accountant or use the official Income Tax Department portal.

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