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Income Tax Calculator

New regime or old? Put your numbers in once and see both bills side by side, down to the slab.

80C, 80D, HRA, home loan interest and the rest, added up. Counted under the old regime only.

Lower tax under

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New regime tax
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Old regime tax
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You save
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Effective rate
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New regime

Old regime

Check the year before you rely on this

Slabs, rebate limits and the standard deduction shipped with this calculator cover FY 2025-26 (AY 2026-27). Rates change with every Union Budget — confirm the current year's numbers against the Income Tax Department before acting on any figure here.

Frequently asked

Which regime should I choose?
It depends entirely on how much you can actually claim as deductions. The new regime has wider slabs and a larger standard deduction but disallows 80C, 80D, HRA and most others. The old regime taxes more steeply but rewards deductions. Enter your real deduction figure above and the calculator tells you which one wins for you.
What is the Section 87A rebate?
A rebate that wipes out the tax bill entirely for lower incomes. Under the new regime for FY 2025-26 it applies up to ₹12 lakh of taxable income; under the old regime it applies up to ₹5 lakh. Cross the limit by even a rupee and the rebate is gone, not tapered.
Does this include surcharge and cess?
Yes. Health and education cess of 4% is applied to the tax after rebate, and surcharge is applied on incomes above ₹50 lakh at the applicable rate — capped at 25% under the new regime.
Is this an official calculation?
No. It is a planning estimate that covers the common salaried case. It does not model capital gains, marginal relief on surcharge, business income, or the many special provisions that may apply to you. Confirm with a chartered accountant or the Income Tax Department’s own utility before filing.

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