Old vs New Tax Regime: 50 Scenarios for FY 2025-26

The single most asked question of every Indian taxpayer in FY 2025-26: which regime should I pick? Here's the data-driven answer for 50 common situations.

The cheat sheet

For most salaried earners with limited deductions (under ₹3-4 lakh of 80C+80D+HRA), the new regime wins. The ₹12L tax-free threshold under new regime is the game-changer for FY 2025-26.

Income brackets — quick verdict

• Up to ₹12.75L: New regime — zero tax
• ₹12.75L–₹15L: New if deductions < ₹3.75L
• ₹15L–₹25L: Old regime usually wins with full 80C + HRA + 24(b)
• ₹25L–₹50L: Depends on home loan; old regime breakeven at ~₹4.5L deductions
• Above ₹50L: Lower surcharge cap makes new attractive again at ₹5Cr+

Use the calculator

Don't guess — every situation is different. The DhanCalc Income Tax Calculator runs both regimes simultaneously and tells you the cheaper one with exact ₹ savings.