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Old vs new tax regime comparison

This compares estimated annual income tax + cess under the old and new regimes for salaried gross income. It is not tax filing advice and does not include surcharge.

Last updated: March 2026FY 2024-25 (AY 2025-26) tax slabs in engine

How SalaryExit calculates estimates (methodology, FY scope, and limits).

Not tax filing advice

Use this only as a planning estimate. Actual tax depends on proofs, employer calculations, and other income.

Outputs are annualized estimates — see the accuracy card for regime limits in this engine.

Required inputs

  • Annual gross salary (₹)
  • Optional: employee PF (annual) for old-regime 80C cap
  • Optional: other 80C (annual)
  • Optional: HRA exemption (annual) — typically for old regime context

Counted toward the 80C cap in the old-regime path.

Optional. If you are not claiming HRA in old regime, leave 0.

Enter gross salary (and optional deductions) to compare regimes.

Assumptions used by this estimate

  • Uses Financial Year 2024-25 (AY 2025-26) slab tables configured in code.
  • Section 87A rebates are simplified (old: up to ₹12,500 when taxable ≤ ₹5,00,000; new: full rebate when taxable ≤ ₹7,00,000 in this model).
  • Surcharge, marginal relief, perquisites, and alternate minimum tax are not modeled.

Worked example (same engine as live calculator)

Engine snapshot: gross ₹18,00,000/year, employee PF ₹1,50,000, other 80C ₹0, HRA exemption ₹2,00,000. Estimated total tax + cess: old regime ₹2,41,800, new regime ₹2,26,200 (simplified model; not filing output).

FAQ

Should I choose the regime with lower tax here?

Not automatically. This tool ignores many real-world factors. Your employer’s regime choice, deductions, and long-term plans matter.

Why doesn’t this match Form 16?

Form 16 uses actual TDS, proofs, and payroll timing. This is an annualized simplified model.

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