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Salary Tax Calculator 2025–26

New Regime vs Old Regime — Find Which Saves More Tax

₹12.0 L
📋 Old Regime Deductions▲ Expand

📊 New Regime vs Old Regime — 2025–26

✅ Save More
🆕 New Regime
Std. deduction ₹75K only. No HRA/80C/80D.
Gross Salary₹12,00,000
− Std. Deduction−₹75,000
= Taxable Income₹11,25,000
₹3L–₹7L @5%₹20,000
₹7L–₹10L @10%₹30,000
₹10L–₹12L @15%₹18,750
Cess 4%₹2,750
Total Tax₹71,500
💰 Monthly In-hand₹94,042
VS
📋 Old Regime
All deductions: HRA + 80C + 80D + NPS + Home Loan.
Gross Salary₹12,00,000
− Total Deductions−₹3,00,000
= Taxable Income₹9,00,000
₹2.5L–₹5L @5%₹12,500
₹5L–₹10L @20%₹80,000
Cess 4%₹3,700
Total Tax₹96,200
💰 Monthly In-hand₹91,983
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🆕 New Regime saves you more tax this year!
Annual tax savings: ₹24,700
New Regime Effective Rate6.0%
|
Old Regime Effective Rate8.0%

Salary Tax Calculator India 2025–26 — New Regime vs Old Regime

Compare New Tax Regime vs Old Tax Regime for FY 2025–26. The calculator accounts for HRA exemption, Section 80C (PPF, ELSS, LIC), 80D (health insurance), NPS deduction (80CCD 1B) and home loan interest (24B). Find out exactly which regime saves you more income tax.

Key Budget 2025 Tax Changes

New Regime standard deduction raised to ₹75,000 from ₹50,000. Tax rebate u/s 87A covers income up to ₹7 lakh — effectively zero tax up to ₹7.75L with standard deduction. New regime is now the default; switch to old regime only if deductions justify it.

New vs Old Regime — Who Benefits?

New regime wins for most salaried employees with CTC below ₹10L or low deductions. Old regime wins only if: HRA exemption is high (metro, high rent) + 80C fully utilized + 80D + home loan interest all claimed together.

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