Income Tax Calculator
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Compare the Old and New income tax regimes side by side for FY 2025-26 (AY 2026-27) — enter your salary, other income and any Old Regime deductions you actually claim (80C, 80D, HRA, etc.) to see which one really saves you more, not just which one sounds better.
The New Regime has no deductions to enter — it uses a flat ₹75,000 standard deduction only, by design.
How to use income tax calculator
- Enter your salary and other income
Use your gross annual salary/CTC and any other taxable income (interest, rent, etc.).
- Add Old Regime deductions, if any
80C (PF, ELSS, life insurance), 80D (health insurance), HRA exemption — whatever you'd actually claim. Leave at 0 if none.
- Compare
See both regimes' tax side by side and a clear verdict on which one saves you money this year.
Formula & methodology
New Regime: tax on (salary − ₹75,000) + other income, at 0/5/10/15/20/25/30% slabs (₹4L/8L/12L/16L/20L/24L), with a Section 87A rebate zeroing tax entirely up to ₹12L taxable, + 4% cess. Old Regime: tax on (salary − ₹50,000 − your deductions) + other income, at 0/5/20/30% slabs (age-dependent exemption: ₹2.5L under 60, ₹3L for 60–80, ₹5L above 80), with an 87A rebate up to ₹5L taxable, + 4% cess.
Example: ₹15,00,000 salary, no other income, no Old Regime deductions — New Regime taxable is ₹14,25,000 → tax ≈ ₹97,500. Old Regime taxable is ₹14,50,000 → tax ≈ ₹2,57,400. The New Regime saves about ₹1,59,900 here.
Quick reference
| Salary (no other deductions) | New Regime tax | Old Regime tax | Cheaper regime |
|---|---|---|---|
| ₹8,00,000 | ₹0 | ₹65,000 | New |
| ₹12,00,000 | ₹0 | ₹1,63,800 | New |
| ₹15,00,000 | ₹97,500 | ₹2,57,400 | New |
| ₹20,00,000 | ₹1,92,400 | ₹4,13,400 | New |
| ₹30,00,000 | ₹4,75,800 | ₹7,25,400 | New |
Features
Both regimes calculated from the same inputs, not a generic explainer.
Unlike a naive comparison, your real 80C/80D/HRA claims are factored into the Old Regime side.
Senior and super-senior citizen exemption limits are applied automatically under the Old Regime.
Your salary and income details are never uploaded — the comparison runs locally.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Why does the New Regime win almost every comparison now?
Since the Budget 2025 changes, the New Regime's Section 87A rebate makes tax fully zero up to ₹12L taxable income, and its slabs are wider — so it now beats the Old Regime for most salaried taxpayers, even with a healthy 80C/80D claim. The Old Regime typically only wins at higher incomes with very large deductions (well above the ₹1.5L 80C cap combined with HRA and other claims).
Is this an official tax calculation?
No — it's a planning estimate using the FY 2025-26 (AY 2026-27) slab structure. Always confirm with a tax advisor or the official Income Tax Department calculator before filing.
What counts as an 'Old Regime deduction' here?
Anything you'd claim only under the Old Regime — Section 80C (PF, ELSS, life insurance premiums, up to ₹1.5L), 80D (health insurance premiums), HRA exemption, home loan interest under Section 24(b), and similar. The New Regime doesn't allow most of these, which is why it isn't asked for on that side.
Does this include surcharge for very high incomes?
No — this covers the base slab tax and 4% cess only. Surcharge applies above ₹50L total income under both regimes and isn't modelled here; consult a tax advisor if your income is in that range.
Can I switch regimes every year?
Salaried individuals (with no business income) can choose either regime each year when filing their return. Those with business/professional income have more restricted switching rules — check the current Income Tax Department guidance.