Income Tax FY 2025-26 Decoded: New vs Old Tax Regime Break-Even Analysis
Are you overpaying taxes? We calculate the exact ₹3.75 Lakh deduction break-even threshold between the New Tax Regime and Old Tax Regime for FY 2025-26.
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Selecting between the New Tax Regime and Old Tax Regime for FY 2025-26 requires a precise breakdown of your total eligible deductions under Section 80C, 80D, HRA, and Section 24b home loan interest.
The ₹3.75 Lakh Break-Even Threshold
For taxpayers with an annual income between ₹10 Lakhs and ₹20 Lakhs, the Old Tax Regime becomes beneficial only if your total annual deductions exceed ₹3.75 Lakhs to ₹4.0 Lakhs. Otherwise, the lower slab rates of the New Tax Regime yield higher take-home pay.
Compare Dual Regime Tax Liability
Enter your salary breakdown and calculate net tax payable under both regimes instantly on the eCalcy FY 2025-26 Income Tax Calculator.
eCalcy Editorial Team · Financial Content Specialist
Last Reviewed: August 2026
Every article published on eCalcy is reviewed against public sources such as RBI monetary policy frameworks, SEBI regulatory guidelines, and Union Budget 2025-26 provisions. Our editorial team does not accept payment for content rankings. This guide is educational only — not personalized financial, legal, or tax advice. Please consult a SEBI-registered advisor before acting.
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