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Comparison

Old vs New Tax Regime

The break-even deduction amount, calculated for your income.

Updated 17 August 2026

Your numbers

₹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 claimedOld regime taxNew regime taxOld 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

Questions

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Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.