Kar Ganak

Old Regime Deduction Tax-Saving Calculator

See how much tax a deduction or exemption actually saves you under the old regime, at your marginal slab rate including cess.

INR
%
Tax these claims save under the old regime
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Claims less the tax saved (what they cost you)
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Illustrative estimate only — not an offer or quote.

How to use it. Add up the deductions and exemptions you could really claim in the old regime for tax year 2026-27. These include the ₹1.5 lakh investment deduction (the old 80C, now section 123 of the Income-tax Act, 2025), health insurance (now section 126), the extra ₹50,000 for your own NPS contribution, an HRA exemption, and home loan interest on a self-occupied house. Then enter your marginal rate, which is the slab your last rupee of taxable income falls in, plus the 4% cess: 5.2% for income from ₹2.5–5 lakh, 20.8% for ₹5–10 lakh and 31.2% above ₹10 lakh.

Formula. Tax saved = claims × marginal rate ÷ 100. The second line takes the tax saving away from the claims, which shows the net cost if the claims are money you spend, such as premiums or deposits.

Worked example (illustrative). ₹2,25,000 of claims at 31.2% saves ₹70,200. That is the old regime's advantage before you compare it with the new regime's lower slabs and its ₹25,000 higher standard deduction.

Limits. The saving is exact only if all the claims fall within one slab. If the claims pull your income into a lower slab, part of them saves tax at the lower rate, so the true saving is smaller. The tool does not tell you which regime wins. For that, use the break-even table in the old vs new regime guide or the worked examples.

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