Free tool
Salary Restructuring & Regime Break-even
See how much in deductions and exemptions you would need before the old regime becomes cheaper than the new one — and where you stand today.
Tax Year 2026-27 and FY 2025-26 Rules verified 9 November 2026 Runs in your browser; nothing is sent to us
Salary and deductions
Old-regime claims you can actually make
Capped at ₹1,50,000
Up to ₹1,00,000, depending on ages
Capped at ₹50,000
Capped at ₹2,00,000
Break-even deductions & exemptions
Verified rules₹6,41,700
You currently claim
₹2,95,000
New regime saves
₹1,08,160
Tax under each regime
- New regime₹1,50,800
- Old regime₹2,58,960
- Taxable income — new
- ₹17,25,000
- Taxable income — old
- ₹14,55,000
- Difference in tax
- ₹1,08,160
How this is calculated
For your salary, the tool searches for the smallest total of old-regime deductions and exemptions (beyond the ₹50,000 standard deduction) at which old-regime tax is equal to or lower than new-regime tax. It then compares that with the claims you enter, after applying statutory caps.
Applicable period
Tax Year 2026-27 and FY 2025-26 — New vs old regime
Assumptions
- Salary is your only income.
- Resident individual below 60 for the break-even figure.
Not covered
- Employer NPS and other components that are deductible in both regimes
- Perquisites and special allowances with their own exemptions
Limitations
- The break-even is a single total; in practice each deduction has its own cap and conditions.
Sources
Last verified 9 November 2026. Results are illustrative estimates, not professional advice. Please speak with us before acting on them.
Questions
Should I invest more just to use the old regime?
Only if the investment makes sense on its own. The tax saving is a by-product, not a reason.
Can my employer restructure my salary?
Many employers allow flexible components such as HRA, meal cards or employer NPS. Check your company's policy.