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Income Tax Calculator (FY 2025-26)

Compare your tax under the new and old regimes for FY 2025-26 (AY 2026-27) and instantly see which one leaves you paying less.

Income Tax Calculator

80C, 80D, HRA, home loan interest, etc.

New regime
Taxable income
₹0
Tax + cess
₹0
Old regime
Taxable income
₹0
Tax + cess
₹0
—
RegimeTaxable incomeBase taxRebate (87A)Cess (4%)Total tax

🔒 Nothing you enter is sent anywhere or stored. All processing happens in your browser.

Features

New vs old regime, side by side

Estimate your tax under both FY 2025-26 systems at once and see which one leaves you paying less.

Deductions handled

Enter your old-regime deductions (80C, 80D, HRA and the like) to compare fairly against the new regime's wider slabs.

Standard deduction for salary

Flag that you're salaried to apply the standard deduction automatically.

Current slab tables built in

Uses the verified FY 2025-26 slabs so the estimate reflects the latest rules.

Private by design

Your income is never uploaded — everything is computed in your browser.

How it works — in four simple steps

No signup, nothing to install — it all runs in your browser.

Step 01

Enter your gross income

Type your total annual income before deductions.

Step 02

Add old-regime deductions

Enter what you can claim under the old regime, and tick salaried to apply the standard deduction.

Step 03

Calculate

Press Calculate to compute tax under both regimes.

Step 04

Compare and choose

See which regime costs less and by how much, then plan accordingly.

How it works

India lets most individuals choose between two tax systems each year: the new regime, which has wider, lower slabs but almost no deductions, and the old regime, which has higher rates but lets you claim exemptions like 80C, 80D, HRA and home-loan interest. This calculator computes your tax under both for FY 2025-26 (AY 2026-27) and tells you which is cheaper.

Under the new regime, income up to ₹4 lakh is nil, then 5%, 10%, 15%, 20%, 25% and 30% bands apply through ₹24 lakh and above, with a ₹75,000 standard deduction for salaried people and a Section 87A rebate that makes tax zero for taxable income up to ₹12 lakh. The old regime uses the ₹2.5L / 5% / 20% / 30% slabs, a ₹50,000 standard deduction, an 87A rebate up to ₹5 lakh, and lets you subtract your total deductions. A 4% health & education cess is added to both. Enter your gross income and old-regime deductions to compare side by side.

This is an estimate only. It does not model surcharge on very high incomes, capital-gains rates, marginal relief edge cases or every special deduction, and tax law changes. Always confirm with an official source or a tax professional before filing. Nothing you enter leaves your browser.

Examples

₹15,00,000 salary, ₹2,00,000 deductions → the tool shows tax under both regimes and the winner.
₹12,75,000 salary, salaried → new regime tax is ₹0 thanks to the 87A rebate and standard deduction.
₹8,00,000 salary with heavy 80C + HRA claims → often the old regime wins; toggle to compare.

When to use it

Pick your regime for the year

Decide whether the new or old regime suits you before declaring it to your employer.

Plan your 80C investments

See whether topping up deductions under the old regime actually beats the simpler new one.

Estimate take-home

Get a quick sense of your annual tax so pay and bonuses hold no surprises.

Tips for the best results

Income tax slabs for FY 2025-26 (AY 2026-27)

New regime (default)

Taxable incomeRate
Up to ₹4,00,000Nil
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%

Standard deduction ₹75,000 (salaried). A Section 87A rebate makes tax nil up to ₹12 lakh taxable income. Add 4% cess.

Old regime

Taxable incomeRate
Up to ₹2,50,000Nil
₹2,50,001 – ₹5,00,0005%
₹5,00,001 – ₹10,00,00020%
Above ₹10,00,00030%

Standard deduction ₹50,000 (salaried), plus deductions like 80C, 80D, HRA and home-loan interest. Rebate makes tax nil up to ₹5 lakh taxable income. Add 4% cess.

Rates as published for FY 2025-26. Surcharge applies at higher incomes. This is an estimate — verify before filing.

Frequently asked questions

Which regime is the default?
For FY 2025-26 the new regime is the default. You can still opt for the old regime, and this tool shows both so you can pick the cheaper one.
Why is my new-regime tax zero at ₹12.75 lakh?
Salaried taxpayers get a ₹75,000 standard deduction, bringing taxable income to ₹12 lakh, and the Section 87A rebate then reduces the tax to nil.
Does it include cess and surcharge?
It adds the 4% health and education cess to both regimes. It does not model the surcharge that applies to very high incomes, so treat high-income results as approximate.
What counts as old-regime deductions?
Enter the total of claims like Section 80C investments, 80D health insurance, HRA exemption and home-loan interest. The new regime ignores these deductions.
Is this official tax advice?
No. It is an educational estimate. Slabs and rules can change and edge cases exist, so verify with the Income Tax Department or a professional before filing.
Is income up to ₹12 lakh really tax-free under the new regime?
For FY 2025-26, the new regime gives a Section 87A rebate that makes tax nil when your taxable income is up to ₹12 lakh. For a salaried person, the ₹75,000 standard deduction lifts the effective tax-free salary to about ₹12.75 lakh. Above that, the slab rates apply on the whole taxable income.
What is the standard deduction for FY 2025-26?
Salaried individuals and pensioners get a standard deduction of ₹75,000 under the new regime and ₹50,000 under the old regime. This calculator applies it automatically when you tick 'I am salaried'.
Which regime should I choose — new or old?
The new regime has lower rates and a higher rebate but removes most deductions. The old regime is often better only if you claim large deductions (80C, 80D, HRA, home-loan interest). This tool computes both and tells you which is cheaper for your numbers — enter your deductions to compare fairly.
Does the calculator include the 4% cess?
Yes. It adds the 4% Health and Education Cess on top of the base tax in both regimes, so the 'Tax + cess' figure is what you'd actually pay.
Are these figures official?
This is an estimate based on the published FY 2025-26 slabs. Surcharge on very high incomes, special-rate income, and individual circumstances can change the result — always confirm with the Income Tax Department or a qualified advisor before filing.