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Article · Tax

Old vs New tax regime — which one should you actually pick?

The new regime is the default in 2026. But for many salaried Indians with 80C, HRA and home-loan EMIs, the old regime still wins. Here's the test.

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EMI Calculator

Monthly EMI, total interest, prepayment scenarios.

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Loan Prepayment Savings

What one extra EMI a year saves on a home loan.

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Education Loan EMI

With moratorium and interest accrual during studies.

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Home Loan EMI (with Tax Benefit)

EMI, total interest, 80C and 24(b) tax savings combined.

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Property Affordability

Max property price based on income, EMI capacity, down payment.

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Indian 50/30/15/5 Budget Analyser

Needs, wants, savings and EMI — rebuilt for Indian households.

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Home & Property

Home loans, stamp duty by state, EMI vs rent, RERA basics, joint loans and tax benefits.