See which regime actually costs you less, how much of your Section 80C limit is still open, and roughly what you'd owe on a sale. Everything here runs in your browser — nothing is sent anywhere or stored.
Old regime slabs: 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30%, ₹50,000 standard deduction, full rebate under Sec 87A if taxable income is ≤ ₹5L. New regime slabs: 0–3L nil, 3–7L 5%, 7–10L 10%, 10–12L 15%, 12–15L 20%, above 15L 30%, ₹75,000 standard deduction, full rebate if taxable income is ≤ ₹7L (new regime does not allow the other deductions above). 4% health & education cess applies to both. Slabs change with each Budget — verify the current year's rates before filing. This is an estimate, not tax advice.
Section 80C caps combined deductions across all these instruments at ₹1,50,000 a year — old regime only. ELSS funds have the shortest lock-in (3 years) of any 80C option and carry market-linked upside, which is why they're often the default pick once EPF and insurance are already accounted for. Not investment or tax advice.
Equity and equity mutual funds: gains held under 12 months (STCG) are taxed at 20%; gains held 12 months or more (LTCG) are taxed at 12.5% on the amount above ₹1,25,000 exempt per year. Real estate and other assets held under 24 months are taxed as STCG at your income slab rate (not computed here — add the gain to your income in the Regime tab); 24 months or more qualifies as LTCG, estimated here at 12.5% flat, with an optional indexed-cost comparison for older purchases. Indexation uses a simple assumed inflation rate as an approximation, not the official Cost Inflation Index table — check the actual CII for a precise figure. This is an estimate, not tax advice — rules on indexation eligibility changed in 2024 and vary by purchase date.
It depends entirely on how much you claim in deductions. If your 80C, 80D, HRA and home loan interest add up to more than roughly what the new regime's lower slabs are worth to you, the old regime usually wins — use the comparison above with your real numbers rather than a rule of thumb.
₹1,50,000 a year, combined across ELSS funds, PPF, EPF, life insurance premiums, home loan principal, tuition fees and a few other instruments — it's one shared limit, not ₹1.5L per instrument.
Equity held under 12 months is short-term and taxed at 20% flat. Held 12 months or more, it's long-term and taxed at 12.5% on gains above a ₹1,25,000 exemption each year.
Mostly no — its main benefit is a flat ₹75,000 standard deduction and lower slabs, but it disallows 80C, 80D, HRA and most other exemptions the old regime permits.
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