RupayWise vs ClearTax Tax Calculator: Feature Comparison
ClearTax is India's leading online tax filing platform, and RupayWise offers a focused Tax Regime Comparator. These tools serve different purposes — this comparison clarifies which calculator is better suited for which task, so you can choose the right tool for your specific need.
Last updated: 23 February 2026, 5:00 PM IST
ClearTax and RupayWise approach tax calculation from fundamentally different angles. ClearTax is a comprehensive tax filing platform that includes calculators as part of the ITR preparation workflow. RupayWise is a calculator-first platform where the Tax Regime Comparator is designed to answer one specific question: should you choose the old or new tax regime?
Understanding this distinction is important. If you need to file your income tax return, ClearTax is the more complete solution. If you need a fast, focused comparison of tax liability under both regimes before filing, RupayWise's comparator is built specifically for that decision point.
Side-by-Side Feature Comparison
| Feature | RupayWise Tax Comparator | ClearTax Tax Calculator |
|---|---|---|
| Primary Purpose | Old vs New regime decision | Full ITR preparation and filing |
| Old vs New Regime Comparison | Yes — side-by-side output | Yes — within filing flow |
| Section 80C Deductions | Yes | Yes |
| Section 80D (Health Insurance) | Yes | Yes |
| HRA Exemption | Yes (with dedicated HRA calculator) | Yes |
| NPS (80CCD) Deduction | Yes | Yes |
| Capital Gains Tax | No | Yes |
| Business Income (ITR-3/4) | No | Yes |
| House Property Income | Home loan interest (Sec 24) only | Full house property schedule |
| Direct ITR Filing | No | Yes (e-file to IT Department) |
| Advance Tax Estimation | No | Yes (quarterly breakdowns) |
| FY 2025-26 Tax Slabs | Yes (updated for Budget 2025) | Yes (updated for Budget 2025) |
| Registration Required | No | Yes (for filing; basic calc is free) |
Where RupayWise Stands Out
Focused Regime Decision Tool
RupayWise's Tax Regime Comparator is purpose-built for one decision: old regime or new regime. You enter your gross salary, select applicable deductions, and instantly see tax under both regimes. There is no account creation, no multi-step form, and no ITR preparation workflow to navigate. For the 4-5 crore salaried Indians who need to make this choice at the start of each financial year, this focused approach saves time.
No Registration Required
You can use the RupayWise comparator without creating an account or providing any personal information. The calculation happens entirely in your browser. ClearTax requires registration for their full tax filing service, though their basic calculator is accessible without an account.
Integrated Calculator Ecosystem
The tax comparator links to related RupayWise tools — the HRA calculator for computing your HRA exemption, the NPS calculator for modeling NPS contributions, and the ELSS vs PPF comparison for optimizing your 80C allocation. This cross-linked ecosystem helps you make interconnected tax-saving decisions.
Where ClearTax Excels
Comprehensive Tax Filing
ClearTax is a full-service tax filing platform. It handles all ITR forms (ITR-1 through ITR-7), supports multiple income sources (salary, capital gains, house property, business, foreign income), and enables direct e-filing with the Income Tax Department. RupayWise does not offer tax filing at all — this is a fundamentally different product category.
Form 16 Upload and Auto-Fill
ClearTax can parse your Form 16 PDF and auto-populate your tax return, significantly reducing manual data entry. They also integrate with the IT Department's pre-filled data (AIS/TIS) for capital gains, TDS, and other income sources. This automation is not possible in a standalone calculator like RupayWise.
Expert Assistance
ClearTax offers paid plans that include chartered accountant review of your tax return. For complex tax situations (multiple income sources, foreign assets, business income), having professional review integrated into the filing workflow is valuable. RupayWise provides educational content but not personalized tax advice.
Which Calculator Should You Use?
- Regime decision only: Use RupayWise's Tax Regime Comparator if you are a salaried employee who needs to quickly determine whether old or new regime saves more tax. No registration, no complexity.
- Full tax filing: Use ClearTax if you need to prepare and file your ITR. The regime comparison will be part of that workflow.
- Complex income: Use ClearTax if you have capital gains, rental income, business income, or foreign income. These are outside the scope of RupayWise's comparator.
- Year-start planning: Use RupayWise at the beginning of the financial year to decide your regime and plan deductions, then use ClearTax at year-end to file your return.
The two tools complement each other. RupayWise helps with the decision; ClearTax helps with the execution.
Try Our Calculators
Frequently Asked Questions
Can ClearTax help me decide between old and new tax regime?
ClearTax does offer a tax regime comparison tool as part of their broader tax filing platform. However, it is embedded within the ITR filing flow. RupayWise's Tax Regime Comparator is a standalone tool specifically designed for the old vs new regime decision — you enter your salary components and deductions, and it shows you the exact tax liability under both regimes side-by-side without needing to start a tax return.
Is ClearTax better for filing taxes or just calculating them?
ClearTax is primarily a tax filing platform — it helps you prepare and file your ITR directly with the Income Tax Department. The calculator is part of that larger workflow. RupayWise does not offer tax filing; it focuses purely on the calculation and comparison step. If your goal is to file your return, ClearTax is the appropriate tool. If your goal is to decide which regime to choose before filing, RupayWise's comparator is purpose-built for that.
Does the RupayWise Tax Regime Comparator handle all deduction types?
The RupayWise comparator covers the major deductions that affect the old vs new regime decision: Section 80C (up to Rs 1.5 lakh), Section 80D (health insurance), HRA exemption, NPS employer contribution (80CCD(2)), home loan interest (Section 24), and standard deduction. ClearTax, being a full ITR platform, covers a broader range of income sources and deductions including capital gains, house property income, and business income.
Which tool is better for a salaried employee choosing a tax regime?
For the specific task of choosing between old and new tax regime, RupayWise's comparator is more focused and faster. You enter your gross salary, HRA, and deductions, and get an immediate side-by-side comparison. ClearTax requires more comprehensive data entry (which is necessary for filing but unnecessary for the regime decision alone). If you only need the regime comparison, RupayWise is more efficient. If you also need to file, ClearTax handles both.
Does RupayWise's tax calculator work for business income?
No. RupayWise's Tax Regime Comparator is designed for salaried individuals and covers salary income, HRA, and common deductions under Sections 80C, 80D, and 80CCD. It does not handle business income (ITR-3, ITR-4), capital gains, or foreign income. ClearTax supports all ITR forms and income types, making it the appropriate choice for self-employed individuals or those with complex tax situations.
Are both calculators updated for the latest tax slabs?
RupayWise's comparator uses the FY 2025-26 tax slabs (reflecting the new regime changes from Budget 2025, including the Rs 12 lakh rebate threshold). ClearTax similarly updates their calculator for each budget. Both tools should reflect current tax rates, but always verify against the Income Tax Department's official circular for the relevant assessment year.
Can I use RupayWise's calculator to estimate advance tax?
RupayWise's Tax Regime Comparator shows total tax liability under both regimes but does not break this down into quarterly advance tax installments (June 15, September 15, December 15, March 15). ClearTax provides advance tax calculation as part of their premium filing service. For advance tax estimation, ClearTax or the Income Tax Department's own calculator may be more suitable.
Is the RupayWise tax comparator free?
Yes. RupayWise's Tax Regime Comparator is completely free, requires no registration, and stores no personal data. ClearTax's basic tax calculator is also free, but their full ITR filing service has both free and paid tiers depending on the complexity of your return and the level of support you need.
Disclaimer: This comparison is based on publicly available calculator features as of 23 February 2026. Feature sets may change over time. RupayWise is not affiliated with ClearTax. Comparisons are of calculator capabilities only, not tax filing platforms. RupayWise is not SEBI registered and does not provide investment or tax advice. Consult a qualified tax professional for personalized guidance.