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CTC vs In-Hand Salary: What's the Difference?
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Old vs New Tax Regime 2026: Which One Saves You More?
Raja Mahakul · Jun 10, 2026

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Calculate monthly EMI for home, car & personal loans.

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Add or remove GST at 5%, 12%, 18% or 28% rates.

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Compute in-hand salary from CTC with all deductions.

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Find your exact age in years, months and days.

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Project SIP returns and total wealth gained over time.

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Estimate EPF balance with employee & employer contributions.

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Calculate HRA exemption for your tax filing.

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Compute gratuity amount as per Payment of Gratuity Act.

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Old vs New regime tax computation with slabs (FY 2025-26).

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About Numvexa

Numvexa was built with a single mission: give every Indian access to accurate, free, and easy-to-understand financial calculators.

Managing personal finance is hard. Banks often hide real numbers behind jargon. We cut through that with clear step-by-step formulas and instant results — no sign-up, no ads forced on you, no data collection.

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Frequently Asked Questions

How is EMI calculated?

EMI = [P × r × (1+r)ⁿ] / [(1+r)ⁿ – 1] where P = principal, r = monthly interest rate, n = tenure in months. Our calculator shows every step.

Which GST rates are available?

We support all four standard GST slabs: 5%, 12%, 18%, and 28%. You can both add GST to a base price or strip GST from a GST-inclusive price.

Is my data safe?

Absolutely. All calculations run entirely in your browser using JavaScript. No data is sent to any server. We have no database of user inputs.

Which tax regime should I choose?

It depends on your deductions. If you have significant 80C, HRA & home loan deductions, the old regime often saves more. Our Income Tax Calculator compares both regimes side-by-side.

How accurate are the SIP projections?

SIP projections assume a constant annual return rate compounded monthly. Actual mutual fund returns vary. Treat projections as indicative, not guaranteed.

How is HRA exemption calculated?

HRA exemption = Minimum of: (a) Actual HRA received, (b) 50%/40% of Basic Salary (metro/non-metro), (c) Actual rent paid minus 10% of Basic Salary.

Who is eligible for gratuity?

An employee is eligible for gratuity after completing 5 years of continuous service with the same employer, as per the Payment of Gratuity Act, 1972.

Can I use these calculators on mobile?

Yes! Numvexa is fully responsive and tested on Android and iOS. The layout adapts perfectly for small screens.

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Effective Date: June 1, 2025  |  Last Updated: June 1, 2025  |  Owner: Raja Mahakul

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Effective Date: June 1, 2025  |  Last Updated: June 1, 2025  |  Owner: Raja Mahakul

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Effective Date: June 1, 2025  |  Last Updated: June 1, 2025  |  Owner: Raja Mahakul

The information and tools provided on Numvexa (https://numvexa.in/), owned by Raja Mahakul, are intended solely for general informational and educational purposes. By using this website, you acknowledge and agree to the following:

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Investment projections (such as SIP or mutual fund growth estimates) are based on hypothetical assumptions and historical average returns. Past performance does not guarantee future results. Actual returns will vary based on market conditions, fund performance, and other factors outside our control.

4. Tax Calculations

Tax calculations on Numvexa are based on publicly available tax slabs and rules for Indian taxpayers. Tax laws change frequently and may be subject to amendments by the Government of India. Numvexa is not responsible for errors or omissions resulting from changes in the law after the date of publication. Always verify with a Chartered Accountant or the Income Tax Department of India.

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Old vs New Tax Regime 2026: Which One Saves You More?

By Raja Mahakul  ·  Published: June 10, 2026  ·  6 min read

1. Introduction

Every salaried Indian faces the same question at the start of every financial year: Old Tax Regime or New Tax Regime? With the Union Budget 2025-26 making the New Regime even more attractive — raising the basic exemption limit to ₹4 lakh and restructuring slabs — the choice has never been more important. This guide breaks down both regimes, compares them side-by-side, and helps you decide which one puts more money in your pocket for FY 2025-26 (AY 2026-27).

2. Old Tax Regime

The Old Tax Regime has been the default system for Indian taxpayers for decades. Its key feature is a rich set of deductions and exemptions that can significantly reduce your taxable income if you invest and plan well.

Key deductions available:

  • Section 80C – Up to ₹1.5 lakh (PPF, ELSS, LIC, home loan principal, etc.)
  • Section 80D – Health insurance premium up to ₹25,000 (₹50,000 for senior citizens)
  • HRA Exemption – House Rent Allowance for salaried employees in rented accommodation
  • Section 24(b) – Home loan interest up to ₹2 lakh
  • Standard Deduction – ₹50,000 for salaried individuals
  • NPS (80CCD) – Additional ₹50,000 over the 80C limit

Old Regime slabs (FY 2025-26): 0% up to ₹2.5L · 5% (₹2.5L–₹5L) · 20% (₹5L–₹10L) · 30% above ₹10L. A rebate under Section 87A makes income up to ₹5L effectively tax-free.

3. New Tax Regime (Default from FY 2024-25)

Introduced in Budget 2020 and made the default regime from FY 2023-24, the New Tax Regime offers lower slab rates in exchange for forgoing most deductions and exemptions.

Revised slabs for FY 2025-26:

  • Up to ₹4,00,000 – Nil
  • ₹4,00,001 – ₹8,00,000 – 5%
  • ₹8,00,001 – ₹12,00,000 – 10%
  • ₹12,00,001 – ₹16,00,000 – 15%
  • ₹16,00,001 – ₹20,00,000 – 20%
  • ₹20,00,001 – ₹24,00,000 – 25%
  • Above ₹24,00,000 – 30%

Under the New Regime, income up to ₹12 lakh is effectively tax-free for resident individuals (after the enhanced Section 87A rebate of ₹60,000). The standard deduction of ₹75,000 is also available, making the effective zero-tax threshold ₹12.75 lakh for salaried taxpayers.

4. Comparison Table

Feature Old Regime New Regime
Basic Exemption ₹2.5 Lakh ₹4 Lakh
80C Deduction ✅ Up to ₹1.5L ❌ Not available
HRA Exemption ✅ Available ❌ Not available
Standard Deduction ₹50,000 ₹75,000
Section 87A Rebate Up to ₹5L income Up to ₹12L income
Home Loan Interest (24b) ✅ Up to ₹2L ❌ Not available
Best suited for High deduction earners Most salaried taxpayers

5. Which One is Better?

The answer depends on your total deductions. Here is a practical rule of thumb for FY 2025-26:

  • Income up to ₹12.75 lakh? → New Regime is almost always better (zero tax after rebate + standard deduction).
  • Income ₹12.75L–₹18L with large deductions? → Run both calculations. Old Regime can win if 80C + HRA + 80D together exceed ₹4–5 lakh.
  • Income above ₹18L with heavy investments? → Old Regime often saves more if deductions exceed ₹5.5L+.
  • No investments or renting without HRA? → New Regime will almost always be cheaper.

Use Numvexa's Income Tax Calculator to enter your actual numbers and compare both regimes instantly.

6. Frequently Asked Questions

Can I switch regimes every year?

Salaried individuals (without business income) can switch between regimes every financial year. Those with business income can switch only once — from New to Old — and cannot switch back.

Is NPS deduction available in the New Regime?

The employer's contribution to NPS (Section 80CCD(2)) is still available as a deduction in the New Regime. The employee's own contribution under 80CCD(1B) is not.

What happens if I don't choose a regime?

From FY 2023-24 onward, the New Tax Regime is the default. If you do not submit Form 10-IEA, your employer will deduct TDS under the New Regime automatically.

Which regime is better for a ₹10 lakh salary?

For a ₹10 lakh gross salary, the New Regime typically results in zero or very low tax after the ₹60,000 rebate and ₹75,000 standard deduction. The Old Regime may save slightly more only if you have ₹1.5L in 80C + significant HRA + 80D deductions.

7. Conclusion

The New Tax Regime 2026 is a strong default choice for most Indian salaried employees — especially those earning up to ₹12.75 lakh or those with limited deductions. For higher earners with substantial investments, HRA, and home loans, the Old Regime may still offer meaningful tax savings.

The smartest move? Calculate both. Use Numvexa's free Income Tax Calculator to get an instant, accurate comparison — no sign-up needed.

Disclaimer: This article is for informational purposes only and does not constitute professional tax advice. Tax laws are subject to change. Consult a Chartered Accountant for personalised guidance.