Old vs New Tax Regime: Complete Decision Framework for India

Comprehensive guide to choosing between old and new tax regimes in India. Decision matrix, calculations, and optimization strategies for every income level.

Published January 18, 202510 min read

Old vs New Regime: A Decision System

Don’t eyeball. Model it.

Steps

List deductions you will actually use (80C/80D/HRA/LTA/NPS).
Run both regimes in April; lock a choice. Revisit after any major change.

Tools

Income Tax Calculator: Side‑by‑side comparison.

Related Calculators

Income Tax Calculator

Compare old vs new tax regime with your actual numbers

HRA Exemption Guide: How to Maximize Your Tax Savings in India

A detailed guide on claiming HRA exemption in India, covering calculations, documentation, and special cases like paying rent to parents.