Budget Highlights: As of Budget 2025, the New Tax Regime is the default, offering a basic exemption of ₹4 Lakh and a standard deduction of ₹75,000. Use our Excel calculator below to see which saves you more.
Old vs New Tax Regime Calculator Excel: FY 2025-26 Key Takeaways
The New Regime wins for income up to ₹12.75 Lakh (with zero tax).
Includes ₹75,000 Standard Deduction and the full ₹60,000 Sec 87A rebate.
Old Regime wins only if your total deductions exceed ₹4.25 Lakh. If your HRA/80C/Home Loan is lower, switch to the New Regime now.
Avoid tax “shocks” on income slightly above the rebate threshold.
Our Excel tool automatically applies Marginal Relief for FY 2025-26.
Income Tax Calculator FY 2025-26(Old vs New)
"Instantly compare tax liability between Old and New regimes for FY 2025-26. Includes the new ₹75,000 Standard deduction , Rebate and Marginal relief benefits for salaries up to ₹12.75 Lakh."
Price: Free
Price Currency: INR
Operating System: "Windows", "macOS", "Android", "iOS"
Application Category: SoftwareApplication
4.9
Following budget revisions, choosing the correct tax regime (Old or New) for FY 2025-26 (AY 2026-27) is crucial. With the New Regime as the default, many taxpayers struggle to determine if switching is beneficial. Our Automated Old vs New Tax Regime Calculator Excel provides an accurate, side-by-side tax liability comparison in seconds.
A standout feature of this tool is the Marginal Relief automation. This “safety net” is essential for individuals. It helps those whose income slightly exceeds the ₹12 Lakh (New Regime) or ₹7 Lakh (Old Regime) thresholds. It prevents your tax from exceeding your extra income.
Whether you have high 80C deductions, HRA exemptions, or Capital Gains, this Excel tool has you covered. The tool is logic-verified. It calculates everything, including the 4% Education Cess. Download our free calculator to get an instant, data-backed verdict on which regime saves you the most money this year.
Old vs New Tax Regime Calculator Excel FY 2025-26: Which One Saves You More Money?
Choosing between tax systems has become more critical than ever with the latest budget mandates. Our Old vs New Tax Regime Calculator Excel FY 2025-26 is designed to provide an instant, data-driven answer to the ultimate question: Which one saves you more money?
For the current financial year, the New Tax Regime has been strengthened. It includes a basic exemption limit of ₹4 Lakh and an enhanced Standard Deduction of ₹75,000. These “default” features offer significant relief to middle-income earners. However, the Old Tax Regime still holds a hidden advantage for those with heavy investments.
If you claim substantial deductions under Section 80C or 80D, the traditional system might still be your winner. The same applies if you have high HRA and Home Loan Interest (Section 24b).
Income Tax Calculation Old vs New: FY 2025-26 Comparison
To determine your tax liability, you must compare the total tax payable under both systems. The New Regime offers lower slab rates. It also provides a higher Standard Deduction of ₹75,000. The Old Regime remains beneficial for those with significant investments in 80C, 80D, and HRA.
- Old Regime Calculation: Total Income – (HRA + 80C + 80D + Standard Deduction ₹50k) = Taxable Income.
- New Regime Calculation: Total Income – (Standard Deduction ₹75k + 80CCD(2)) = Taxable Income.
- The Verdict: If your total deductions exceed ₹3.75 Lakh to ₹4 Lakh, the Old Regime usually wins.
| Income Slab (New Regime) | New Tax Rates (FY 2025-26) | Old Tax Rates |
|---|---|---|
| ₹0 – ₹4,00,000 | NIL | NIL (up to ₹2.5L) |
| ₹4,00,001 – ₹8,00,000 | 5% | 5% – 20% |
| ₹8,00,001 – ₹12,00,000 | 10% | 20% |
| ₹12,00,001 – ₹16,00,000 | 15% | 30% |
| ₹16,00,001 – ₹20,00,000 | 20% | 30% |
| Above ₹24,00,000 | 30% | 30% |
Important Update: For FY 2025-26, the Standard Deduction has been increased to ₹75,000 for the New Regime. Combined with the tax rebate, salaried individuals earning up to ₹12.75 Lakh pay ZERO tax under the New Regime.
Income Tax Calculation Old vs New: How to Use the Calculator
To perform an accurate income tax calculation (Old vs New) for FY 2025-26, follow these four simple steps using our automated tool:
- Enter Gross Income: Input your total annual salary, including bonuses and other income sources like savings interest or rental income.
- Declare Exemptions: For the Old Regime, enter your HRA, 80C (PPF, LIC), and 80D (Mediclaim) details. Note that the tool automatically applies the ₹75,000 Standard Deduction for the New Regime.
- Include Capital Gains: Input any STCG (u/s 111A) or LTCG (u/s 112A). This allows you to see how special tax rates impact your total liability.
- Check the Verdict: The calculator instantly applies Marginal Relief logic. It also applies the 4% Education Cess. This provides a side-by-side comparison that highlights exactly which regime saves you the most money.
“Before you download, read our 3-step guide below to ensure you get the most accurate tax comparison.”
3-Step Setup Guide: Getting Accurate Results
Once you have downloaded the ArthikDisha Tax Calculator, follow these steps to ensure your comparison is 100% accurate for FY 2025-26:
- Enable Macros (If prompted): Our calculator uses advanced logic for Marginal Relief and the Section 87A rebate. If Excel shows a “Security Warning,” click “Enable Content” to allow the automated formulas to run correctly.
- Input Your Gross Income & Deductions: Fill in the “Input” sheet. Make sure to separate your Basic Salary from your HRA, as the Old Regime calculation depends on the rent-to-salary ratio. For the New Regime, the tool will automatically apply the ₹75,000 Standard Deduction.
- Review the ‘Comparison’ Tab: Head over to the final tab to see the side-by-side verdict. The tool will highlight the “Winner Regime” in green, accounting for the new ₹4 Lakh basic exemption and any special tax rates on Capital Gains.
Old Tax Regime vs New Tax Regime Calculator – Deductions which are allowed under New Tax Regime:
As per Section 115BAC, a taxpayer choosing the new income tax regime is not eligible to claim the following income tax deductions, which were earlier allowed under the old tax regime:
| Category | Section | Allowed Exemptions & Deductions |
|---|---|---|
| Salaried Employees | 16(ia) | Standard Deduction of ₹75,000/- (Applicable w.e.f 1st April 2025) |
| Retirement Benefits | 10(10AA) | Leave Encashment at retirement up to ₹25,00,000/- |
| Property Income | 24(b) | Interest paid on Home Loan specifically for **Let-out Property** |
| Official Duty | 10(14) | Daily Allowance, Conveyance Allowance, and Perquisites for Official Tours |
| Retirement Planning | 80CCD(2) | Employer’s contribution to NPS (Allowed since F.Y 2022-23) |
| Specially-Abled | – | Transport Allowance for a specially-abled person |
| Defense Schemes | 80CCH | Any amount of contributions to the Agniveer Corpus Fund |
| Clarification | 10(5) & 10(32) | LTC and Minor Income Allowance are NOT ALLOWED in New Regime (per Sec 115BAC) |
Old Tax Regime vs New Tax Regime Calculator Comparison:
| Feature / Parameter | Old Tax Regime | New Tax Regime (Default) |
|---|---|---|
| Standard Deduction | ₹ 50,000 | ₹ 75,000 (Budget 2025) |
| Basic Exemption Limit | ₹ 2.5 Lakh | ₹ 4 Lakh |
| Tax Rebate (u/s 87A) | Up to ₹ 5 Lakh Income | Up to ₹ 12 Lakh Income |
| Chapter VIA (80C, 80D) | ✔ Fully Allowed | ✖ Disallowed (Except NPS) |
| Home Loan Int (Sec 24b) | ✔ Allowed (Max 2L) | ✖ Not Allowed (Self-Occupied) |
| Number of Tax Slabs | 3 Slabs (5%, 20%, 30%) | 6 Slabs (5% to 30%) |
| Investment Strategy | Promotes Forced Savings | More Disposable Income |
Income Tax Slab for FY 2025-26 (AY 2026-27) as per the Old Tax Regime
| Income Slab | Below 60 Years (General) |
60 to 80 Years (Senior) |
Above 80 Years (Super Senior) |
|---|---|---|---|
| Up to ₹2,50,000 | NIL | NIL | NIL |
| ₹2,50,001 – ₹3,00,000 | 5% | NIL | NIL |
| ₹3,00,001 – ₹5,00,000 | 5% | 5% | NIL |
| ₹5,00,001 – ₹10,00,000 | 20% | 20% | 20% |
| Above ₹10,00,000 | 30% | 30% | 30% |
Income Tax Slab for FY 2025-26 (AY 2026-27)-New Tax Regime
| Annual Income Slab | Tax Rate | Budget 2025 Update |
|---|---|---|
| Up to ₹4,00,000 | NIL | New Limit |
| ₹4,00,001 – ₹8,00,000 | 5% | Revised Slab |
| ₹8,00,001 – ₹12,00,000 | 10% | Revised Slab |
| ₹12,00,001 – ₹16,00,000 | 15% | Revised Slab |
| ₹16,00,001 – ₹20,00,000 | 20% | Revised Slab |
| ₹20,00,001 – ₹24,00,000 | 25% | Revised Slab |
| Above ₹24,00,000 | 30% | – |
Old vs New Tax Regime Calculator Online:
Struggling with the complexity of Marginal Relief? Our Old vs New Tax Regime Calculator Online is engineered for precision. It doesn’t just calculate tax. It applies the Budget 2025 logic. This ensures users earning slightly above ₹12 Lakh (New Regime) or ₹7 Lakh (Old Regime) are not penalized. A sudden tax spike does not affect them. Get a real-time, side-by-side verdict in seconds.
ArthikDisha Old vs New Tax Regime Calculator Online Tool
FY 2025-26
| Particulars | New Regime | Old Regime |
|---|
Old vs New Tax Regime Calculator Excel: Calculate your Taxes in Excel below
Calculate Your Tax Offline
Download our Old vs New Tax Regime Excel Calculator for FY 2025–26. Includes Marginal Relief and the ₹75,000 Standard Deduction.
📊 Download Excel Calculator ✔ 100% Free • ✔ No Login RequiredGetting the Most Out of This Guide
Navigating the FY 2025-26 tax changes can be overwhelming. To find the exact answer for your financial situation, we recommend using this post in three steps:
- Run the Numbers: Use the Downloadable Excel Tool above to see your side-by-side tax liability.
- Verify the Slabs: Cross-check your income bracket in our Corrected Slab Tables.
- Find Your Verdict: Click the FAQ cards below to reveal our “Verified Opinions” on complex rules like Marginal Relief and the ₹12 Lakh rebate limit.
Old vs New Tax Regime Calculator Excel FAQ (FY 2025-26)
Final Verdict: Which Regime Wins?
For most salaried individuals earning up to ₹15 Lakh, the New Tax Regime is advantageous. This is because of the ₹75,000 Standard Deduction. Additionally, there is a ₹4 Lakh exemption.
Homeowners with substantial home loans (Section 24b) may prefer the Old Tax Regime. Similarly, those paying high rent in metro cities (HRA) might also find it better. Use our calculator to find your “break-even” point!
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