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
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 →