New Tax Regime vs Old Tax Regime 2026: Slabs, Exemptions & Salary Calculator
Renjith Pillai
Senior Systems Architect & Financial Analyst
Choosing between the New Tax Regime (lower tax rates without deductions) and the Old Tax Regime (higher tax rates with 80C, 80D, HRA deductions) depends on your total deduction claims.
The Break-Even Deduction Threshold
If your total annual deductions (80C + 80D + HRA + Home Loan Interest) exceed ₹3.75 Lakh to ₹4.25 Lakh, the Old Tax Regime is generally more beneficial. Below that threshold, the New Tax Regime delivers lower tax outflow.
Frequently Asked Questions
Can I switch between new and old tax regimes every year?+
Is Standard Deduction of ₹75,000 available in both regimes?+
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Calculate Salary Take-Home Pay →Renjith Pillai
Senior Software Engineer & Network Specialist
Renjith Pillai is a senior software engineer and financial tools author with over 12 years of experience. He built EasyCalcs.in to provide high-precision, privacy-first technical tools and financial calculators for investors, engineers, and consumers.