Old vs new regime — quick comparison
Old regime
✓ 80C up to ₹1.5L✓ HRA exemption✓ 80D health insurance✓ NPS extra ₹50K✓ Home loan ₹2L✕ Higher slabs
New regime
✓ Lower slabs✓ Std deduction ₹75K✓ Simpler, no paperwork✓ NPS employer contribution✕ No 80C, HRA, 80D✕ No home loan interest
Rule of thumb: Deductions above ~₹3.75L → old regime. Below → new regime.
Tax guides
01
Guide · 6 min
Read →Old vs new regime: which saves you more?
Breakeven at ~₹3.75L deductions. Below that, new regime wins.
02
Analysis · 7 min
Read →80C beyond the obvious: NPS, ELSS, tuition fees ranked
NPS gives extra ₹50K deduction. ELSS beats FD. Life insurance is worst.
03
Guide · 5 min
Read →HRA calculation: what you actually save vs what you think
Minimum of three formulas — most people only check one.
04
Guide · 4 min
Read →Tax on credit card rewards: do you need to worry?
Cashback is not taxable. Welcome bonuses technically are above ₹50K.
Frequently asked questions
Which tax regime should I choose?
If your deductions (80C + HRA + 80D + home loan) exceed ~₹3.75L, old regime saves more. Below that, new regime is simpler and cheaper.
Is NPS worth it for tax saving?
Yes — extra ₹50K deduction under 80CCD(1B) saves ₹15,600 at 30% bracket. Best tax-saving option after maxing 80C.
Are credit card rewards taxable?
Cashback on purchases: no. Welcome bonuses and referral rewards above ₹50K aggregate: technically yes under Section 56(2)(x).
The honest number on every financial product
Advertised vs actual across all categories.