Quick Summary: Regime Optimizer

The Regime Optimizer runs a multi-variable simulation to find your 'Crossover Deduction Amount'. In FY 2026-27, if your deductions are below this point, the New Regime is mathematically superior; if above, the Old Regime wins. It accounts for complex interactions like Section 24B home loan interest and 80D medical premiums.

How to use the Regime Optimizer

  1. Input Income Breakdown

    Enter your salary, interest income, and any capital gains.

  2. List Potential Deductions

    Enter all possible tax-saving investments and expenses you can claim.

  3. Analyze Crossover

    The tool identifies the exact deduction threshold where you should switch regimes.

  4. Get Summary

    Review the total tax savings between the two choices and see the 'Regime Winner'.

Related Calculators

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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.