Detailed comparison with examples for different salary levels.
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New: Lower rates + ₹75K standard deduction, almost no other deductions.
Old: Higher rates but allows 80C, 80D, NPS, HRA, home loan deductions.
Total deductions above ₹3.75 lakh? Old regime likely better. Below that? New regime wins.
Use our Tax Calculator to compare with your numbers.
Tax laws change. Verify current rules. Not tax advice.
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All calculations use standard financial formulas. SIP returns use compound interest formula: FV = PMT × [((1+r)^n - 1) / r]. EMI uses: EMI = P × r × (1+r)^n / [(1+r)^n - 1]. Tax calculations follow Income Tax Act provisions for the current assessment year. Insurance premiums are indicative market averages.
Sources: RBI, SEBI, Income Tax Department of India, CIBIL, IRDA, LIC of India. Data verified as of Aug 2026.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.