💸 Tax Planning

Which tax regime actually
saves you more?

Old regime vs new regime isn't a simple answer. It depends on your HRA, 80C, NPS, and insurance deductions. We calculate the exact breakeven for your salary range.

Old regime

✓ 80C deduction up to ₹1.5L✓ HRA exemption✓ 80D health insurance✓ NPS extra ₹50K✓ Home loan interest ₹2L✕ Higher tax slabs

New regime

✓ Lower tax slabs✓ Standard deduction ₹75K✓ Simpler, no paperwork✓ NPS employer contribution✕ No 80C, HRA, 80D✕ No home loan interest

Rule of thumb: If your deductions exceed ~₹3.75L (income ₹12-15L), old regime saves more. Below that, new regime wins. But calculate for your exact numbers.

Tax guides

Guide6 min read

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HRA calculation: what you actually save vs what you think

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Tax on credit card rewards: do you need to worry?

Short answer: probably not. Long answer involves Section 56(2)(x) and gift tax provisions. We break down the actual legal position.

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