India Tax Calculator FY 2025-26 | New vs Old Regime

📝 Enter Your Details

Select Tax Regime

💡 New Regime is DEFAULT from FY 2025-26. Income up to ₹12L is tax-free (₹12.75L for salaried). Old regime needs explicit opt-in at ITR filing.

Personal Details

Age Category

Taxpayer Type

Income Details

Annual Salary / Gross Income ₹12,00,000

₹1L₹1Cr

Interest / Other Income ₹0

₹0₹5L

Rental Income ₹0

₹0₹10L

Deductions (Old Regime Only)

Section 80C Investments ₹1,50,000

₹0₹1.5L (Max)

📋 Includes: PPF · ELSS · LIC Premium · NSC · EPF · Home Loan Principal · SCSS · 5yr FD · Sukanya Samriddhi

Section 80D (Health Ins.) ₹25,000

₹0₹75K

NPS 80CCD(1B) ₹50,000

₹0₹50K (Max)

HRA Exemption ₹0

₹0₹6L

Home Loan Interest 24(b) ₹0

₹0₹2L

80TTA / 80TTB (Interest) ₹0

₹0₹50K

Other Chapter VI-A Ded. ₹0

₹0₹2L

Employer NPS 80CCD(2) Available in both regimes ₹0

₹0₹2L

⚡ Instant results · Based on FY 2025-26 (Budget 2025)

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Your Tax Analysis Will Appear Here

Enter your income details on the left and click Calculate — get instant comparison of Old vs New regime with personalised tax saving recommendations.

Income Slab	Tax Rate	Tax on Slab	Cumulative Tax
Up to ₹4,00,000	0%	Nil	Nil
₹4,00,001 – ₹8,00,000	5%	₹20,000	₹20,000
₹8,00,001 – ₹12,00,000	10%	₹40,000	₹60,000
🎉 Section 87A Rebate: Up to ₹60,000 — Zero tax if income ≤ ₹12,00,000 (₹12,75,000 for salaried with standard deduction)
₹12,00,001 – ₹16,00,000	15%	₹60,000	₹1,20,000
₹16,00,001 – ₹20,00,000	20%	₹80,000	₹2,00,000
₹20,00,001 – ₹24,00,000	25%	₹1,00,000	₹3,00,000
Above ₹24,00,000	30%	On balance	₹3,00,000+
Standard Deduction: ₹75,000 for salaried · NPS Employer 80CCD(2): Allowed · Most other deductions: Not allowed

Income Slab

Tax Rate

Tax on Slab

Cumulative Tax

Up to ₹4,00,000

Nil

₹4,00,001 – ₹8,00,000

₹20,000

₹8,00,001 – ₹12,00,000

10%

₹40,000

₹60,000

🎉 Section 87A Rebate: Up to ₹60,000 — Zero tax if income ≤ ₹12,00,000 (₹12,75,000 for salaried with standard deduction)

₹12,00,001 – ₹16,00,000

15%

₹60,000

₹1,20,000

₹16,00,001 – ₹20,00,000

20%

₹80,000

₹2,00,000

₹20,00,001 – ₹24,00,000

25%

₹1,00,000

₹3,00,000

Above ₹24,00,000

30%

On balance

₹3,00,000+

Standard Deduction: ₹75,000 for salaried · NPS Employer 80CCD(2): Allowed · Most other deductions: Not allowed

Income Slab	Tax Rate	Tax on Slab	Cumulative Tax
Up to ₹2,50,000	0%	Nil	Nil
₹2,50,001 – ₹5,00,000	5%	₹12,500	₹12,500
🎉 Section 87A Rebate: Up to ₹12,500 — Zero tax if income ≤ ₹5,00,000
₹5,00,001 – ₹10,00,000	20%	₹1,00,000	₹1,12,500
Above ₹10,00,000	30%	On balance	₹1,12,500+
Standard Deduction: ₹50,000 · HRA, 80C, 80D, 80CCD(1B), 24(b), LTA and all deductions allowed

Income Slab

Tax Rate

Tax on Slab

Cumulative Tax

Up to ₹2,50,000

Nil

₹2,50,001 – ₹5,00,000

₹12,500

🎉 Section 87A Rebate: Up to ₹12,500 — Zero tax if income ≤ ₹5,00,000

₹5,00,001 – ₹10,00,000

20%

₹1,00,000

₹1,12,500

Above ₹10,00,000

30%

On balance

₹1,12,500+

Standard Deduction: ₹50,000 · HRA, 80C, 80D, 80CCD(1B), 24(b), LTA and all deductions allowed

Income Slab	Tax Rate	Tax on Slab	Cumulative Tax
Up to ₹3,00,000	0%	Nil	Nil
₹3,00,001 – ₹5,00,000	5%	₹10,000	₹10,000
🎉 Section 87A Rebate: Up to ₹12,500 — Zero tax if income ≤ ₹5,00,000
₹5,00,001 – ₹10,00,000	20%	₹1,00,000	₹1,10,000
Above ₹10,00,000	30%	On balance	₹1,10,000+
Senior Citizens (60–79): Higher basic exemption ₹3L · 80D upto ₹50,000 · 80TTB ₹50,000

Income Slab

Tax Rate

Tax on Slab

Cumulative Tax

Up to ₹3,00,000

Nil

₹3,00,001 – ₹5,00,000

₹10,000

🎉 Section 87A Rebate: Up to ₹12,500 — Zero tax if income ≤ ₹5,00,000

₹5,00,001 – ₹10,00,000

20%

₹1,00,000

₹1,10,000

Above ₹10,00,000

30%

On balance

₹1,10,000+

Senior Citizens (60–79): Higher basic exemption ₹3L · 80D upto ₹50,000 · 80TTB ₹50,000

Income Slab	Tax Rate	Tax on Slab	Cumulative Tax
Up to ₹5,00,000	0%	Nil	Nil
₹5,00,001 – ₹10,00,000	20%	₹1,00,000	₹1,00,000
Above ₹10,00,000	30%	On balance	₹1,00,000+
Super Senior (80+): Highest exemption ₹5L · 80D upto ₹50,000 · 80TTB ₹50,000 · No 87A rebate

Income Slab

Tax Rate

Tax on Slab

Cumulative Tax

Up to ₹5,00,000

Nil

₹5,00,001 – ₹10,00,000

20%

₹1,00,000

Above ₹10,00,000

30%

On balance

₹1,00,000+

Super Senior (80+): Highest exemption ₹5L · 80D upto ₹50,000 · 80TTB ₹50,000 · No 87A rebate

Total Income	Surcharge (Old Regime)	Surcharge (New Regime)	Cess
Up to ₹50 Lakhs	Nil	Nil	4% Health & Education
₹50L – ₹1 Crore	10%	10%
₹1 Crore – ₹2 Crore	15%	15%
₹2 Crore – ₹5 Crore	25%	25%
Above ₹5 Crore	37%	25% (Capped)

Total Income

Surcharge (Old Regime)

Surcharge (New Regime)

Cess

Up to ₹50 Lakhs

Nil

4%
Health &
Education

₹50L – ₹1 Crore

10%

₹1 Crore – ₹2 Crore

15%

₹2 Crore – ₹5 Crore

25%

Above ₹5 Crore

37%

25% (Capped)

India Income Tax Calculator

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📊 Tax Slab Reference — FY 2025-26 (AY 2026-27)

📌 Surcharge + Cess (Applicable on Tax Amount)