Income Tax Calculator
Compare the Old and New tax regimes for FY 2025-26 (AY 2026-27) and instantly see which one leaves more money in your pocket.
Your details
Total salary / income for the year, before any deductions.
Deductions Old regime only
The New regime ignores most deductions, so these only reduce your Old-regime tax. Leave blank if they don't apply.
EPF, PPF, ELSS, life insurance, etc. Max ₹1,50,000.
Health insurance premiums.
The exempt part of your House Rent Allowance.
Section 24(b). Max ₹2,00,000 (self-occupied).
Extra ₹50,000 for your own NPS contribution.
80E, 80G, 80TTA and any others.
How this works
India lets you choose between two ways of being taxed. This tool works out both, so you can pick the cheaper one.
The Old regime
Higher tax rates, but you can subtract deductions like 80C, 80D, HRA and home-loan interest. Great if you invest and claim a lot.
The New regime
Lower, simpler slabs but almost no deductions — just a bigger ₹75,000 standard deduction. It's now the default for most people.
We compare both
We apply the correct slabs, the Section 87A rebate, surcharge and 4% cess to each, then show you the winner.
The slabs we use (FY 2025-26 · AY 2026-27)
New regime
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction ₹75,000. Full rebate (up to ₹60,000) means zero tax up to ₹12,00,000 taxable income.
Old regime
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard deduction ₹50,000. Rebate up to ₹12,500 means zero tax up to ₹5,00,000 taxable income.
Assumes an individual resident below 60 years of age. A 4% Health & Education cess is added to both regimes, plus surcharge on incomes above ₹50,00,000 (with marginal relief). This is an estimate to help you compare regimes — please confirm with a tax professional before filing.
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