Old vs New Tax Regime: Compare Using Your Books

Choosing between the old and new tax regimes comes down to your actual books, not a generic calculator. Deductions like 80C, HRA and home-loan interest only help under the old regime.

The new regime offers lower slab rates in exchange for dropping most deductions and exemptions. The break-even point depends on your gross income and deduction stack.

Arthvahi computes both regimes from your ledger, your real P&L, and shows the comparison side by side, so the choice is based on your numbers, not a rule of thumb.