₹ TaxSetu 2025
Tool — 60-Second Verdict

Which Regime Wizard: New vs Old Verdict in 60 Seconds (FY 2026-27)

Three numbers — gross salary, total old-regime deductions, employer NPS — and the wizard computes both regimes with rebate + cess and declares a winner. Approximate (ignores surcharge/marginal relief); confirm big calls on the full calculator.

The 60-second wizard

How to use the verdict

  • Gap above ₹15k? Decision's clear — tell your employer the regime for TDS.
  • Gap under ₹5k? Toss-up — pick new for simplicity, old if deductions may grow.
  • Salaried? You re-choose every year in the ITR. Business income? 10-IEA rules apply.
Full calculator → · Regime deep-dive → · What survives in new →

By TaxSetu Editorial Team · Last reviewed: 7 October 2026

Based on the Income-tax Act 2025, Income Tax Rules 2026 and CBDT notifications; sections per the Income-tax Act 1961 (as amended) with 2025-Act mappings where notified · Verify on the official portal: incometax.gov.in

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Frequently Asked Questions

Approximate — it ignores surcharge above ₹50L, marginal relief near ₹12L, and savings interest. Confirm big calls: full calculator.

HRA exempt + 80C + 80D + home-loan interest + professional tax, all combined — pull totals from Form 12BB.

Salaried: yes, each ITR. Business income: 10-IEA + restricted switch-backs. Switching rules.