Calculate income tax under old and new regime for FY 2025-26. Updated slabs, ₹75K standard deduction, 87A rebate up to ₹12 lakh, surcharge and cess — all free.
Tax = Progressive slabs applied to taxable income + 4% CessIndia uses a progressive slab system where income in each bracket is taxed at that bracket's rate only. The Section 87A rebate makes income up to ₹12 lakh tax-free under the new regime for FY 2025-26. A 4% Health & Education Cess applies on the final tax amount.
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Step-by-step guide to get the most from this tool
Input your total salary or income before deductions. Include all components that form part of your taxable income.
Select salaried, self-employed, or pensioner. Age affects old-regime basic exemption limits.
Enter 80C, 80D, home loan interest, NPS, HRA exemption, and other deductions. These only affect the old regime calculation.
Review side-by-side tax under both regimes. The better option is highlighted with your exact savings amount.
What makes this tool stand out
Updated new regime 7-slab structure with ₹4 lakh exemption and enhanced 87A rebate.
See old vs new regime tax with slab tax, rebate, surcharge, and cess breakdown.
Age-based basic exemption for old regime — 60+ and 80+ categories supported.
Expandable accordion showing tax computed in each income bracket.
Monthly in-hand salary after tax and estimated PF deduction.
All calculations run in your browser. No income data is sent to any server.
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Quick answers to common questions
Under the new regime for FY 2025-26: 0% up to ₹4 lakh, 5% for ₹4–8 lakh, 10% for ₹8–12 lakh, 15% for ₹12–16 lakh, 20% for ₹16–20 lakh, 25% for ₹20–24 lakh, and 30% above ₹24 lakh taxable income.
Section 87A provides a full tax rebate if your taxable income (after standard deduction) is up to ₹12 lakh. This makes many salaried taxpayers with income around ₹12.75 lakh gross effectively pay zero tax under the new regime.
The old regime allows Section 80C (up to ₹1.5 lakh), 80D health insurance, HRA exemption, home loan interest under Section 24(b), NPS additional deduction, and a standard deduction of ₹50,000 for salaried employees and pensioners.
If your total deductions under the old regime exceed roughly ₹3.75 lakh, the old regime often wins. For salaried employees with few deductions, the new regime with its ₹75,000 standard deduction and enhanced 87A rebate usually saves more tax.
The standard deduction is ₹75,000 under the new regime and ₹50,000 under the old regime for salaried individuals and pensioners. It is automatically applied in our calculator.
Surcharge applies on income tax: 10% for income ₹50 lakh–₹1 crore, 15% for ₹1–2 crore, 25% for ₹2–5 crore, and 37% above ₹5 crore (capped at 25% under the new regime). A 4% health and education cess is added on tax plus surcharge.
No. HRA exemption, Section 80C, 80D, LTA, and self-occupied home loan interest are not available under the new regime. Only the standard deduction and employer NPS contribution (80CCD(2)) remain.
Under the old regime, basic exemption is ₹3 lakh for ages 60–80 and ₹5 lakh for ages 80+. The new regime has a uniform ₹4 lakh nil slab regardless of age.
Your data is processed entirely in your browser. Nothing is sent to any server.