Tax

Old vs New Regime Comparator

The exact deduction amount at which the old regime starts winning for your income.

Gross annual income

₹20 L

₹3 L₹20,00,000₹50 Cr

Break-even deduction

₹7,08,333

Tax under new regime: ₹1,92,400
Deductions needed to beat it: ₹7,08,333
Verdict: Old regime wins above ₹7,08,333 of deductions

What this means.Most salaried people cannot realistically cross the break-even without a home loan. If your deductions are just 80C plus 80D, the new regime is almost always cheaper.

View the full breakdown (7 rows) →

Deductions claimed	Old regime tax	New regime tax	Old regime saves
0	₹4,13,400	₹1,92,400	-₹2,21,000
150000	₹3,66,600	₹1,92,400	-₹1,74,200
200000	₹3,51,000	₹1,92,400	-₹1,58,600
250000	₹3,35,400	₹1,92,400	-₹1,43,000
300000	₹3,19,800	₹1,92,400	-₹1,27,400
400000	₹2,88,600	₹1,92,400	-₹96,200
500000	₹2,57,400	₹1,92,400	-₹65,000

Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.

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