Old vs New Regime Simulator
The ultimate battleground for FY 2026-27 (Budget 2025). Input your income and deductions, and let our engine mathematically prove which tax regime destroys less of your wealth.
Old Regime Deduction Engines
Standard Deduction (₹75k New / ₹50k Old) is injected automatically into the engine constraints.
New Regime
Switching absolutely saves you ₹89,700 in dead taxes this fiscal year.
Tax to Govt
₹97,500
Effective Rate
6.5%
Tax to Govt
₹1,87,200
Effective Rate
12.5%
Load Bearing Graph
How is this calculated?
The Government algorithm creates a mathematical spread between two radically different tax systems.
- Strips away all 50+ 80C/HRA/LTA deductions.
- Lowers slab rates structurally.
- Injects ₹12 Lakh Section 87A rebate.
- Flat ₹75,000 Standard Deduction.
- Allows heavy compounding of 80C/HRA/24b deductions.
- Punishes with ancient, high 30% slab rates faster.
- Forces compliance and paperwork submission.
- Flat ₹50,000 Standard Deduction.
Related Calculators
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The mathematical decision entirely depends on your ability to produce high-value deduction receipts. Without a Home Loan or massive Metro HRA, beating the New Regime is nearly impossible.
The Deduction Threshold Matrix
* Thresholds are approximations and include standard deductions under Budget 2025 structures.