Break-Even Deduction Finder
How much do your deductions need to add up to before the old regime beats the new regime? Enter your salary to find your personal break-even point for FY 2025-26.
To make the OLD regime worth it, you need at least
₹5,43,748
in total deductions (80C + 80D + HRA + home-loan interest…)
Below this, the new regime is cheaper. Above it, the old regime wins.
Frequently asked questions
What is the break-even deduction between old and new tax regime?+
It is the total amount of deductions (80C, 80D, HRA, home-loan interest, NPS, etc.) at which both regimes produce exactly the same tax. If your actual deductions exceed this break-even, the old regime saves you money; if they fall short, the new regime is cheaper.
How much deduction do I need for the old regime to be better in FY 2025-26?+
It depends on your salary. For most salaried people in the ₹12-20 lakh range, the break-even sits around ₹4.5-7 lakh of deductions. Enter your salary above to see your personal break-even figure.
Does the break-even change every year?+
Yes. Whenever the government revises slab rates, the rebate limit, or the standard deduction (as it did in Budget 2025), the break-even shifts. This calculator uses the FY 2025-26 rules.