Salaried employees in India often choose between the old tax regime (with common deductions) and the new regime (different slabs, fewer deductions). The lower bill depends on your income and claims — there is no universal winner.
When old regime can still win
Large Section 80C (EPF, PPF, ELSS, etc.), 80D health premiums, HRA (where applicable), and home-loan interest can tilt the old regime lower for some households. If those claims are small, the new regime’s slab structure may cost less.
Use EnrichReturns’ Income Tax calculator to compare both sides with your numbers, then confirm with Form 16 / a CA before filing.
What calculators cannot replace
Finance Acts change slabs, rebates (such as 87A), and surcharge rules. Capital gains, business income, and AIS mismatches need separate handling. A web calculator is for planning conversations with your payroll team — not a filed return.
Practical rhythm
Re-run after salary revision, a new home loan, or big changes in 80C/80D. Mid-year regime declarations to employers can be revisited as rules allow — check current employer and tax guidance.