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Old vs New Tax Regime Salary Optimizer

Detailed side-by-side analysis for Indian salaried employees. Factoring in ₹75,000 standard deduction, Section 80C/80D, home loan interest, and NPS.

Salary & Income

Gross Annual Salary (CTC/Gross ₹)

₹

≈ ₹24.00 L

Total annual taxable salary before deductions

Old Regime Deductions & Exemptions

Section 80C (EPF, PPF, ELSS, Life Ins)

₹

≈ ₹1.50 L

Maximum allowable limit is ₹1,50,000

Section 80D (Health Insurance Premium)

₹

≈ ₹50,000

Self & Family up to ₹25k; + Senior Parents up to ₹50k

Section 24(b) (Home Loan Interest)

₹

≈ ₹2.00 L

Maximum deduction is ₹2,00,000 for self-occupied home

Section 80CCD(1B) (NPS Tier 1)

₹

≈ ₹50,000

Additional ₹50,000 exclusive deduction for NPS

HRA Exemption (Section 10(13A))

₹

≈ ₹1.80 L

Calculated rent allowance exemption

Recommended Tax Regime

Old Tax Regime

Saves ₹61,360 / year

Monthly Take-Home Pay

₹1.72 L

Under Old Regime

⚖️Regime Verdict (FY 2025–26 & FY 2026–27)

Because of your high deductions (Home loan interest + HRA + 80C/80D), the Old Regime saves you ₹61,360 annually!

Side-by-Side Regime Breakdown

New Regime

Std Deduction:₹75,000

Exemptions:None (Hassle-free)

Tax Payable:₹4.03 L

Effective Rate:16.8%

Old Regime✓ Best

Std Deduction:₹50,000

Total Deductions:₹6.80 L

Tax Payable:₹3.42 L

Effective Rate:14.2%

Tax Rule Nuances

Total Deductions Claimed in Old Regime₹6.80 L

Breakeven Deduction Threshold Needed~₹4.25 L

If your total eligible deductions (80C + 80D + Home Loan Interest + HRA) exceed ~₹4.25 L, the Old Regime is mathematically superior; otherwise the New Regime leaves more cash in your hand.

Partner · Tax filing

File your ITR with this regime factored in.

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Want the full picture?

The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.

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Simple estimate for income tax. Rates & taxes will vary — verify before acting.