Old vs New Tax Regime Calculator
Har saal ITR bharte waqt sabse bada sawaal — old tax regime chunun ya new? Ye aapke deductions par nirbhar karta hai. Ye calculator aapki income aur deductions lekar dono regime ka tax nikaalta hai aur batata hai kaunsa sasta padega.
Dono regime me farak
India me ab do tax system hain. Old regime me tax dar zyada hai par 80C, HRA, home loan jaise bahut saare deductions milte hain. New regime me tax dar kam hai par lagbhag koi deduction nahi (sirf standard deduction). Kaunsa sasta — ye aapke deductions par nirbhar karta hai.
Seedha niyam
Ek aasan soch: agar aap bahut saare deductions lete hain (80C poora, HRA, home loan byaj) to old regime aksar sasta padta hai. Agar aap kam ya koi deduction nahi lete to new regime sasta hota hai, kyunki uski dar kam hai. Beech me ho to calculator me dono dekh kar decide karein.
Ek misaal
₹12 lakh income, ₹2 lakh deductions (80C + HRA). Old regime me deductions ke baad tax kam ho jaata hai. New regime me deduction nahi, par dar kam. Dono ka hisaab calculator lagakar dikhata hai kaunsa sasta. Aksar zyada deductions par old jeeta, kam par new.
Kaunse deductions old me milte hain
- 80C — PPF, ELSS, life insurance, EPF, home loan mool (₹1.5 lakh tak)
- 80D — health insurance premium
- HRA — kiraye par rehne walon ke liye
- Home loan byaj — Section 24 (₹2 lakh tak)
- 80CCD(1B) — NPS me extra ₹50,000
Agar aap ye sab le rahe hain to old regime dekh lein. NPS ka fayda samajhne ke liye NPS wala lekh aur poora tulnaatmak vivaran tax regime guide me hai.
Aksar pooche jaane wale sawaal
Old ya new regime — kaunsa chunein?
Bahut deductions (80C, HRA, home loan) lete hain to old aksar sasta. Kam ya koi deduction nahi to new sasta. Dono ka hisaab lagakar dekhein.
New regime me kya deductions milte hain?
Lagbhag koi nahi — sirf standard deduction. 80C, HRA, home loan byaj jaise fayde new regime me nahi milte.
Har saal regime badal sakte hain?
Salaried log aam taur par har saal chun sakte hain. Business income wale ke liye niyam alag hote hain. CA se confirm karein.
Rebate kya hai?
Ek tay taxable income tak tax poora maaf ho jaata hai. Ye seema aur niyam budget me badalte hain, isliye current dar confirm karein.