Calculateur ancien vs nouveau régime fiscal (Inde)
Enter your yearly income and the deductions you can claim in the old regime, such as 80C, 80D, NPS and home loan interest. The calculator shows the tax under each regime, which one is cheaper, and the exact amount of deductions above which the old regime wins. Both include the 4% cess.
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Tax rules for FY 2026-27 (AY 2027-28)
Add 80C (up to ₹1.5 lakh), 80D, NPS, home loan interest and HRA exemption. The new regime does not allow these.
Comment ça marche
- 01Enter your yearly income and your age group.
- 02Enter the total deductions you can claim in the old regime.
- 03Read which regime costs less and the break-even deductions.
Questions
Which regime is better for me?
It depends on your deductions. The new regime has lower rates but allows almost no deductions. The old regime has higher rates but lets you subtract 80C, 80D, home loan interest and more. The break-even figure shows the point where both cost the same.
What deductions should I add?
Add what you can actually claim in the old regime: 80C up to ₹1.5 lakh, 80D for health insurance, NPS under 80CCD(1B), home loan interest and the HRA exemption. Do not add anything you cannot prove.
Can I change regimes every year?
Salaried employees can usually choose each year. People with business income have stricter rules. Check the current rules with a tax professional or the Income Tax Department.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.