How much more would you need to deduct for the old regime to win?
Most regime calculators show two totals and leave you to guess. This one answers the actual question: given your salary and what you already claim, exactly how much more in 80C, 80D, or other eligible deductions would tip the old regime back in your favour — if it's even reachable.
Enter your gross annual salary to see the regime breakeven.
Questions people actually ask
- What counts as an 'additional eligible deduction'?
- Anything you can legally claim only under the old regime: Section 80C (ELSS, PPF, life insurance premiums, principal repayment on a home loan, up to ₹1,50,000 combined), 80D (health insurance premiums), or NPS under 80CCD(1B). The number here is a combined total across all of them — it doesn't matter which specific instrument you use to get there.
- What if the additional deduction needed is unrealistically high?
- That's the tool telling you something useful: for your salary, the new regime wins even if you maxed out realistic deductions, so switching regimes to save tax isn't worth restructuring your investments around. The new regime's larger standard deduction and rebate threshold often make this the case for salaries where 80C alone wouldn't have covered much anyway.
- Why doesn't this include HRA in the deduction number?
- HRA exemption is calculated from your actual rent and Basic+DA (Section 10-13A), not a discretionary amount you can choose to claim more or less of — so it's factored into your current old-regime tax already, rather than folded into the 'how much more would you need' question.