Find which tax regime gives you the better salary verdict.
Compare old and new tax regime outcomes with the same salary inputs and see the annual tax difference.
Estimated Monthly Take-Home
Enter your annual salary to see your verdict.
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Choosing between the old and new regime
The regime decision comes down to one question: are the deductions you actually claim large enough that shrinking your taxable income under the old regime beats the lower flat rates of the new regime?
There is a break-even level of deductions where the two regimes cost the same. Below it the new regime wins; above it the old regime wins. That threshold rises with income, so a rule like 'old is always better' is unreliable.
Enter your salary and deductions above to see which regime leaves more in hand for your specific situation, along with the annual tax difference between them.
FAQ
Which tax regime is better, old or new?
It depends on your deductions. If the deductions you actually claim exceed the break-even point for your income, the old regime usually wins; otherwise the new regime is typically better. This calculator compares both on the same inputs.
What deductions does the old regime allow?
Common ones include tax-saving investments, house rent allowance for those paying rent, home loan interest, and health insurance premiums. The old regime is only better if you genuinely use enough of them.
Can I switch tax regimes every year?
Salaried individuals without business income can generally choose the regime each year, so it is worth re-checking when your income or deductions change.
Does the new regime include a standard deduction?
The new regime removes most exemptions but retains the standard deduction for salaried taxpayers under current assumptions. Always confirm against the latest rules.
Is my salary data stored?
No. PayVerdict calculates locally in your browser and does not store or share raw salary inputs.
Assumptions and disclaimer
- Country: India. Tax year: FY 2025-26. Currency: INR.
- Tax model: Detailed estimate.
- India uses the detailed FY 2025-26 old vs new regime estimate.
- Employee PF, professional tax, deductions, cess, surcharge, and marginal relief are modeled.
- Salary data stays in your browser and is not stored or shared.
PayVerdict provides estimates for educational purposes only. Actual tax liability, EMI, and take-home salary may vary based on lender terms, employer structure, deductions, exemptions, state rules, and rate changes. Please consult a qualified professional before making financial decisions.