How Much Tax Can You Actually Save in the Old Regime? Every Deduction, Stacked

Most people know the Old Regime lets you claim deductions — far fewer know how many there actually are, or that most of them can be claimed together, on top of each other. Here's the full list this calculator models, and what stacking all of them actually looks like on a real CTC.

Every deduction, at a glance

Only available under the Old Regime unless marked otherwise. Each one has its own independent cap.

What stacking them actually saves, on a ₹24L CTC

Same CTC, Old Regime, three scenarios — no optional fields claimed, every deduction above claimed at a realistic (not maximum-possible) level, and the New Regime for comparison:

Claiming every deduction above saves ₹3.07L in tax for the year compared to the Old Regime with nothing claimed — and comes out ahead of the New Regime by ₹1.05L at this CTC. That gap is exactly why the Old Regime can still win for people with a home loan, health insurance, and enough 80C investments to use up the cap — and exactly why it quietly loses for people who have few or none of those.

The catch

None of this is automatic — every one of these has to be actually paid (or actually contributed) and then entered when you claim it, either in this calculator's Tax-Saving Allowances section or on your actual tax return. Nobody realistically has all nine at once — a home loan and a hostel-going child are an unusual combination — so use the table above to find the ones that genuinely apply to you, and enter your own numbers in the calculator rather than assuming the stacked example above applies as-is.