Enter your income and deductions. See which regime wins and by how much.
Income-tax Act, 2025
Only changes old-regime slabs
Business / freelance profit, interest
Max ₹1,50,000
Max ₹25,000
Max ₹50,000 · ₹25,000 if parents < 60
Max ₹50,000
Max ₹2,00,000
Max ₹10,000
Enter the allowed amount
The new regime saves you
You'd need about ₹6,42,000 of deductions for the old regime to win. You have ₹1,75,000.
Quick answer
For most people the new regime is better: lower slabs, a ₹75,000 standard deduction for salary and zero tax up to ₹12 lakh of taxable income. The old regime only wins with large deductions. With ₹20 lakh of income and ₹4.5 lakh of deductions, the new regime costs ₹80,600 less.
Enter your income: salary (if any) and other income such as business or freelance profit.
Enter the deductions you can actually claim in the old regime: 80C (PF, ELSS, insurance, tuition), 80D (health insurance), home-loan interest, NPS 80CCD(1B), savings interest and others.
We cap each deduction at its legal limit, compute tax under both regimes and show the winner, the saving and the deductions you'd need for the old regime to win.
Business owners can switch regimes only in limited ways; salaried people can choose each year.
₹20 lakh income with ₹4.5 lakh of deductions
Winner: new regime, saving ₹80,600.
Tax on AdSense, brand deals and freelance income under old and new regimes.
Open toolAdvance-tax instalments, due dates and calendar reminders.
Open tool50% presumptive income vs actual expenses, with an eligibility check.
Open toolLast reviewed:
Money Desk
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