Enter your CTC to find exactly how much in old-regime deductions you'd need to claim before the old regime beats the new one.
The new regime wins at this CTC, even at ₹5.00 LPA in old-regime deductions.
Deduction cap of ₹5.00 LPA reflects a realistic ceiling — full 80C, 80D, home loan interest, and NPS 80CCD(1B) combined. Your actual eligible deductions may be lower.
It's the combined 80C, 80D, HRA exemption, home loan interest, and NPS 80CCD(1B) deductions you'd need to claim under the old regime for your take-home pay to match — and then exceed — what the new regime already gives you with zero deductions.
A side-by-side comparison tells you which regime wins at one specific deduction figure. This tool solves the reverse problem: given your CTC, it finds the deduction threshold itself, so you know exactly how much you'd need to actually invest or claim before switching regimes is worth it.
A higher break-even figure means the old regime needs more deduction-eligible spending (EPF, insurance, home loan, etc.) to catch up — so for many people, especially without a home loan, the new regime's lower slabs win by default. A low or zero break-even means the old regime already wins easily.