Income Tax Calculator
Calculate your India income tax for FY 2025-26 under the New and Old tax regime — compare both and find which saves you more.
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How to use this calculator
- 1
Enter your annual gross income — this is your CTC or total income before any deductions.
- 2
Select salaried or self-employed (affects the standard deduction applied).
- 3
If comparing old regime, enter your total deductions — 80C (up to ₹1.5L), 80D, HRA, etc.
- 4
The calculator compares both regimes and shows which saves you more tax.
Frequently asked questions
What is the standard deduction in FY 2025-26?
Under the new tax regime, salaried employees get a ₹75,000 standard deduction. Under the old regime, it is ₹50,000. Self-employed individuals don't get the standard deduction in either regime.
What is the 87A tax rebate?
Under the new regime, if your taxable income is ₹12 lakh or less, you pay zero tax due to the Section 87A rebate. Under the old regime, the rebate applies if taxable income is ₹5 lakh or less.
Which tax regime is better?
If your total deductions (80C, 80D, HRA, home loan interest, etc.) are significant — typically above ₹3.75 lakh — the old regime may be better. If you have few deductions or your income is under ₹12 lakh, the new regime usually saves more.
Is surcharge included in this calculation?
This calculator applies the 4% health & education cess but excludes surcharge. Surcharge applies only to incomes above ₹50 lakh and requires more detailed inputs. For high-income scenarios, consult a CA.
India Income Tax Calculator FY 2025-26 — New vs Old Regime
How to use the income tax
Use this income tax to your india income tax for fy 2025-26 under the new and old tax regime — compare both and find which saves you more. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the income tax works
The income tax calculator uses standard formulas used in financial planning, budgeting, and investment decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
New tax regime FY 2025-26 slabs
The Union Budget 2025 revised the new regime slabs: 0% up to ₹4L, 5% for ₹4L–8L, 10% for ₹8L–12L, 15% for ₹12L–16L, 20% for ₹16L–20L, 25% for ₹20L–24L, and 30% above ₹24L. With the ₹75,000 standard deduction and 87A rebate, effective zero tax applies up to ₹12.75L for salaried employees.
Old regime: when it still wins
The old regime (slabs: 0% to ₹2.5L, 5% to ₹5L, 20% to ₹10L, 30% above ₹10L) can be beneficial if you have substantial deductions — particularly home loan interest under Section 24(b) (up to ₹2L), 80C (₹1.5L), and HRA exemptions. Add these up before deciding.
The break-even deduction threshold
For most income brackets, the new regime is better unless total deductions exceed ₹3.75 lakh to ₹5 lakh. The higher your income, the higher this threshold. Use the comparison mode above with your actual deductions to find your break-even point.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →