Which Tax Regime Should You Choose?

Start here — Are you a salaried employee?Most employees get the freedom to choose every year.

Yes · Salaried

Do you claim deductions like 80C, HRA, home loan interest, or 80D?Total them across the year.

Yes · substantial

Do you claim few or no deductions?Under ₹3–4 lakh in total.

Yes

Are your total deductions more than ~₹3–4 lakh?Includes 80C, HRA, 24b, 80D, standard deduction.

Yes

Is your income above ~₹15 lakh?High earners benefit more from the old regime's deductions.

Yes

Prefer the OLD regimeYour deductions likely lower your tax below what the new regime offers.

Compare bothRun your numbers — below ₹7.75L the new regime is often tax-free.

Prefer the NEW regimeLower slabs and higher basic exemption usually win when deductions are low.

Need the detail? Read the full comparison in New vs Old Tax Regime, or check what counts as a deduction in Section 80C.