Income Tax Calculator
Calculate your income tax under the supported Indian new and old regime rules.
Quick guide
Standard deduction ₹75,000 applied automatically. Rebate u/s 87A if income ≤ ₹7L.
Income Tax in India FY 2025-26
This calculator follows the supported Indian income-tax assumptions for FY 2025-26. The new regime is built around lower slab rates and a standard deduction of Rs 75,000, while the old regime gives more room for deductions under sections like 80C, 80D, HRA, and home-loan benefits.
In practice, the better regime is usually the one that matches your actual deduction profile. A salaried user with few investments may find the new regime cleaner, while someone with strong HRA, 80C, or home-loan claims may still prefer the old regime.
Which regime is better?
The better regime depends on your deductions. Generally, the new regime benefits people with fewer deductions, while the old regime can work better for those who fully use 80C, have HRA exemptions, or claim significant home-loan interest.
- New regime: simpler structure with lower slab rates and fewer deductions to track
- Old regime: useful when you regularly claim 80C, 80D, HRA, or home-loan interest
- The final answer should be judged on your actual deductions, not just the headline tax rate
- Health and Education Cess is applied after the base tax is calculated
A practical comparison example
Suppose one employee has a clean salary structure with very few deductions, while another has strong insurance, investments, and home loan claims. The first person often benefits from the new regime's simplicity. The second person may still gain more by staying in the old regime because the deduction stack is large enough to offset the lower slabs.
That is why this page shows the breakdown instead of only the final tax figure. Seeing the slab math, rebate, and in-hand salary together makes the comparison more honest and much easier to act on.
Frequently Asked Questions
What is the standard deduction for FY 2025-26?
Under the supported assumptions used on this page, the new regime includes a standard deduction of Rs 75,000. Under the old regime, the standard deduction remains Rs 50,000 for salaried individuals and pensioners.
Is income tax zero up to Rs 12 lakh in 2025-26?
Under the supported new-regime rules on this page, taxable income up to Rs 12 lakh gets a rebate under Section 87A, which can make the tax liability nil. For salaried users, that can mean gross income up to roughly Rs 12.75 lakh after the standard deduction.
Can I switch between old and new regime?
Salaried individuals can usually choose their regime each year when filing their return. Business or professional income cases can have tighter switching rules, so confirm the latest filing guidance before final submission.
Quick answer
Income Tax Calculator is built for people who want a fast, browser-based way to calculate your income tax under the supported Indian new and old regime rules. The tool works well for quick checks on mobile or desktop, and the supporting explanation helps you understand the result instead of treating it like a black box.
How to use this tool
- Fill in the required values carefully and keep the units or date formats consistent.
- Read the primary result first, then review the supporting breakdown to understand how the answer was produced.
- Change one input at a time if you want to compare scenarios and make a clearer decision.
What this result can and cannot tell you
A calculator is excellent at showing the maths behind a decision, but it does not know your lender's hidden fees, your insurer's exclusions, your employer's payroll quirks, or a government's next policy update. That means the output is strongest when you use it to compare scenarios, not when you treat it as the final official number.
For finance pages in particular, the biggest value comes from clarity. Once you can see the principal, interest, tax, fee, or rebate effect clearly, you can ask better questions before you commit real money.
When this result is useful
Use this tool before you borrow, invest, file, or compare offers so you can see the financial impact before committing.
It is especially useful when you want a fast second check alongside lender, broker, or government portals for income tax and tax.
A realistic planning example
Imagine you are comparing two options for calculate your income tax under the supported Indian new and old regime rules. Instead of trusting a headline number, you enter the inputs here and review the total effect before you commit.
That simple check often changes the decision. A monthly number may look affordable at first, while the full cost, tax impact, or long-term return tells a very different story once the breakdown is visible.
Common planning mistakes to avoid
- Comparing only the monthly number and ignoring the total long-term cost.
- Assuming a published rate or tax rule applies to your exact case without checking the conditions.
- Entering gross values when the tool expects net values, or vice versa.
- Making a decision before reviewing fees, charges, deductions, or taxes together.
Sources and notes
For planning and educational use only. Rates, slabs, fees, and rules can change, so verify high-stakes decisions with the relevant bank, broker, insurer, tax advisor, or government source.
Reference sources