Old vs New Tax Regime Optimizer
Enter deductions — instantly see which regime saves more
Old vs New Tax Regime Optimizer is a free, browser-based tool that lets you enter deductions — instantly see which regime saves more — with zero signup, zero installation. Your data never leaves your browser. Part of 111+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.
Compare your regimes
Add the deductions you actually expect to claim, then compare the estimated total tax under both regimes.
Key deductions for old regime
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Salary scenarios at Rs 6L, 12L, 18L, and 24L
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About Old vs New Tax Regime Optimizer
Choosing between tax regimes for FY 2026-27 is not a one-size-fits-all decision. The New Regime offers lower slab rates and zero tax up to Rs 12 lakh, while the Old Regime rewards disciplined investors who fully utilize 80C, HRA, home loan interest, and NPS deductions. This optimizer applies both sets of rules to your actual income and declared deductions, then surfaces the regime that results in a lower net tax outgo.
How It Works
Under the Old Regime, the tool applies age-based slab rates (standard, senior, super senior) after subtracting Section 80C (up to Rs 1.5 lakh), 80D, HRA exemption under Section 10(13A), home loan interest under Section 24(b), and NPS under 80CCD(1B). Surcharge thresholds and the 4% cess are applied on the computed tax.
Under the New Regime for FY 2026-27, only the Rs 75,000 standard deduction is applied. The revised slabs — 0% up to Rs 4 lakh, 5% from 4-8L, 10% from 8-12L, 15% from 12-16L, 20% from 16-20L, 25% from 20-24L, and 30% above 24L — are used. The Section 87A rebate (full tax waiver up to Rs 12 lakh taxable income) is checked before cess.
The tool then shows the tax delta between regimes so you can see in rupees — not just percentages — which choice saves more this financial year.
Who Is This For
A government employee with Rs 22 LPA gross income trying to decide whether NPS employer contribution and HRA still justify the Old Regime.
A first-time taxpayer earning Rs 11 LPA wondering if the New Regime zero-tax benefit applies to their income.
A couple where one spouse has high deductions and the other does not, checking regime choices independently to optimize combined household tax.
A freelancer under 44ADA with variable income checking regime optimality before the March 15 advance tax deadline.
Scope note: Calculations use FY 2026-27 slab rates and deduction limits. Does not model surcharge on incomes above Rs 50 lakh or marginal relief near threshold bands. Assumes all declared deductions are supported by valid investment proofs. Consult a chartered accountant before finalizing your regime selection in the ITD filing portal.
How to Use
Enter your annual gross income and choose your age group
Add key deductions like 80C, 80D, HRA, NPS, and home-loan interest
Compare taxable income, rebate impact, and total tax under both regimes
Use the result card to see which regime saves more tax for FY 2026-27
Frequently Asked Questions
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