SALARY & TAX · CALCULATOR 02
Old vs New Tax Regime & In-Hand Salary
Updated for Budget FY 2024-25 / FY 2025-26. Find the exact mathematical breakeven point where your HRA, 80C, 80D, and Home Loan interest deductions beat the lower New Regime slabs.
1. Salary & Income
₹15,00,000
₹3 Lakh₹25 Lakh₹50 Lakh
2. HRA & Rent Exemption (Old Regime)
3. Deductions & Investments (Old Regime)
Section 80CMax ₹1.5L
Section 80D (Health)Max ₹1L
Home Loan 24(b)Max ₹2L
NPS 80CCD(1B)Max ₹50K
Old Regime In-Hand
₹1,13,690/mo
Tax: ₹1,35,720
New Regime In-Hand
₹1,14,167/mo
Tax: ₹1,30,000
REGIME VERDICT · LIVE
Under current deductions, the New Regime is superior and saves
₹5,720/yr
New RegimeOld Regime
New Regime wins by ₹5,720 per year (+₹477/mo in-hand) with zero investment lock-in and lower baseline tax slabs.
The Breakeven Rule
For an income of ₹15.0 Lakh, you need at least ₹3,50,000 in total deductions (Standard Deduction + HRA + 80C + 80D + 24b) for the Old Regime to beat the New Regime.
Your Total Deductions Claimed:₹4,40,000
New Regime Flat Standard Deduction:₹75,000 (FY25)