Tax Regime Optimizer
Old regime or new? Compute both properly for a real CTC structure, and see where the breakeven actually sits.
The problem
Every April to July, lakhs of salaried people choose between the old and new tax regimes — usually on a guess, a forwarded spreadsheet, or whatever their payroll portal defaults to. HR teams field the same question hundreds of times in the same window.
The honest answer is that it depends on the CTC structure. HRA, 80C, 80CCD(1B), home-loan interest under 24(b), the surcharge bands and 87A rebate all move the breakeven around more than people expect. A default is not an answer.
What it does
A single public Streamlit screen. Enter the CTC components and declared investments; the tool computes tax under both FY26 regimes side by side, shows the breakeven on the deductions that matter, and generates a one-page PDF advisory branded in the site's identity.
No login, free, and it stays free. It runs entirely on synthetic data — the demo company has fifty employees and none of them exist.
- FY26 slabs, surcharge, and rebate validated against five edge cases
- Breakeven chart that's screenshot-ready for LinkedIn
- Whitelabel-ready for any HR portal
Design choices
The engine implements the full computation, not a slab approximation: surcharge with marginal relief, the 87A rebate edge, and the deductions that differ between regimes (for example 80CCD(2) treatment). That fidelity is the point — a tax tool that is confidently wrong is worse than no tool.
Validated against five known scenarios spanning low, mid and high CTC across old/new edge cases before it ships. The PDF shows its working, so a user — or their advisor — can check it line by line.
Stack
Educational tool, not tax advice. Verify against your own computation or a qualified advisor — the output shows its working precisely so you can.
Built and demonstrated on synthetic data only.