See which Indian tax regime costs you less, and the exact deduction level at which the answer flips
Income
Interest, rent, freelance.
Deductions you can actually claim
Old regime only, except the last one. Enter what you genuinely claim, not what you could theoretically claim - the whole comparison turns on this being realistic.
LTA, 80E, 80G, 80TTA, professional tax.
Allowed under both regimes.
Tax against old-regime deductions
Line by line
| Step | New regime | Old regime |
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Disclaimer
Provided as is, with no warranty of any kind, express or implied, and no guarantee that the slabs, rates or rules here are accurate, complete or current. These are estimates from a personal engineering project, and this is not tax, legal or financial advice. A regime choice has consequences this tool cannot see, including your other income, your investment plans and how your employer runs TDS. Do not use the breakeven to file or to commit money. Check anything that matters with a qualified chartered accountant or tax adviser. Use entirely at your own risk.
Tax year 2026-27 (assessment year 2027-28), under the Income-tax Act, 2025. Figures last checked 28 August 2026. The new regime is the default; choosing the old one means opting in when you file, and salaried taxpayers can switch each year. Nothing you type here is transmitted anywhere.
As-is, no warranty. These apps are free under their listed license and run entirely in your browser. Use at your own risk — don't blame me if your PC catches fire, your dog runs away, or the math turns out wrong. Verify anything that actually matters. None of this is professional financial, medical, legal, or engineering advice.
The new regime’s tax is flat with respect to deductions, because it barely allows any. The old regime’s tax falls as you claim more. Two lines, one crossing. The crossing is the only number that decides anything.
The tool computes both, then binary-searches for the deduction total at which the old regime’s tax drops to meet the new regime’s. Old-regime tax is monotone non-increasing in deductions, so the search is safe and converges in sixty iterations.
Three outcomes are possible, and the tool names which one you are in:
Marginal relief. Two places, and leaving either out produces visibly wrong numbers.
The 87A cliff in the new regime: the rebate covers tax entirely up to ₹12,00,000 of taxable income and then stops dead. Earning ₹10,000 past it would cost ₹61,500 without relief. Relief caps the tax at the rupees earned beyond the ceiling, giving ₹10,000 plus cess.
Surcharge thresholds: the same logic at ₹50,00,000, ₹1,00,00,000, ₹2,00,00,000 and, old regime only, ₹5,00,00,000. One rupee past ₹50,00,000 would otherwise trigger roughly ₹1,31,000 of surcharge. Relief reduces it to a few rupees.
The surcharge cap difference. The new regime tops out at 25%. The old regime’s 37% band still exists. At very high incomes that is the whole comparison, and it is why the effective top rate differs between the two regimes by several points.
The old regime’s 87A cliff has no relief at all. Cross ₹5,00,000 of taxable income by ten rupees and tax jumps by about ₹13,000. That is genuinely how the section is drafted. It is worth knowing before you decide to claim one rupee less of 80C.
The flat line is the new regime. The falling line is the old regime as deductions rise. The dashed green marker is the breakeven; the dotted accent marker is where you currently sit. If your marker is left of the breakeven, the new regime wins, and the distance between them tells you how much more you would have to find.
This tool is provided as is, with no warranty of any kind, express or implied, including no warranty of merchantability, fitness for a particular purpose, accuracy, completeness or currency. There is no guarantee that the slabs, rates, limits or rules encoded here are correct or current.
These are estimates from a personal engineering project. This is not tax, legal or financial advice, and no professional or advisory relationship is created by using it. Your actual liability depends on your full financial position, your employer’s payroll policy, the declarations you file and provisions this tool does not model.
Verify anything that matters with a qualified chartered accountant or tax adviser before you act on it, and do not use these figures to negotiate, plan or file. To the fullest extent permitted by law, no liability is accepted for any loss or damage arising from use of this tool or reliance on its output. Use entirely at your own risk.
For informational purposes only. Not financial, medical, or legal advice. You are solely responsible for how you use these tools.