Quick Summary: Old vs New Regime Advisor

The New Tax Regime is the default for FY 2026-27, offering higher slabs and a ₹75k standard deduction. However, the Old Regime may be better if your total deductions (HRA, 80C, 80D) exceed ₹3.75 lakh–₹4.25 lakh depending on your income level. Use the advisor above to see your personalized recommendation.

Calculation Logic: Regime Winner = Min(Tax_Old, Tax_New)

How to use the Old vs New Regime Advisor

  1. Input Annual Income

    Enter your total taxable income from all sources.

  2. List Old Regime Savings

    Input your 80C, 80D, HRA, and home loan interest amounts.

  3. Analyze Breakeven

    The tool identifies the exact deduction amount needed to make the Old Regime superior.

  4. Select Optimal Regime

    Follow the recommendation to minimize your total tax liability for the year.

Related Calculators

Income Tax Calculator
Advance Tax Calculator
80C / 80D / NPS Optimizer
Form 16 Gap Analyzer

Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.