Income Tax Calculator
Better Regime for You
New Regime saves you ₹1,27,858 more per year (₹10,655/month)
A — Salary Components
B — Old Regime Deductions Only
Not applicable to New RegimeRegime Comparison
New Regime
₹90,200
per month
Old Regime
₹79,545
per month
Deductions at Source (Both Regimes)
Old Regime Deductions Used
Old Regime vs New Regime — Full Breakdown
| Component | Old Regime | New Regime |
|---|---|---|
| Cost to Company (CTC) | ₹12,00,000 | ₹12,00,000 |
| Less: Employer PF | -₹57,600 | -₹57,600 |
| Gross Salary (Pre-Tax) | ₹11,42,400 | ₹11,42,400 |
| Standard Deduction | -₹50,000 | -₹75,000 |
| Section 80C Investments | -₹57,600 | — |
| Taxable Income | ₹10,34,800 | ₹10,67,400 |
| Income Tax (before Cess) | ₹1,22,940 | ₹0 |
| 4% Health & Education Cess | ₹4,918 | ₹0 |
| Total Income Tax Liability | ₹1,27,858 | ₹0 |
| Less: Employee PF (Annual) | -₹57,600 | -₹57,600 |
| Less: Professional Tax (Annual) | -₹2,400 | -₹2,400 |
| Annual Take-Home | ₹9,54,542 | ₹10,82,400 |
| Monthly Take-Home | ₹79,545 | ₹90,200 |
Compare your monthly take-home salary under the Old Regime and New Regime for FY 2025-26. Enter your CTC, PF, professional tax, HRA, 80C, and 80D to get an exact side-by-side comparison.
Income Tax Calculator — Frequently Asked Questions
Everything you need to know about comparing the old and new tax regimes.
Enter your annual CTC along with any bonus, provident fund, and professional tax figures. The calculator derives your gross salary, applies the standard deduction and eligible exemptions under both the old and new regimes, and shows the tax payable plus your resulting take-home pay side by side.
The old regime offers lower slab thresholds but allows a wide range of deductions and exemptions — Section 80C, 80D, HRA, and more. The new regime uses wider slabs and lower rates but removes most of those deductions. Which one is cheaper depends on how much you actually claim.
If you claim substantial deductions — full 80C, health insurance under 80D, and significant HRA — the old regime often works out cheaper. If you claim few or no deductions, the new regime usually results in lower tax. This calculator shows both outcomes so you can compare your own numbers rather than relying on a rule of thumb.
Yes. Salaried taxpayers receive a standard deduction under both regimes, though the amount differs between them. The calculator applies the correct figure to each regime automatically.
Yes. Health and Education Cess is applied at 4 percent on the computed tax under both regimes, so the tax figures shown reflect what you would actually pay.
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