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Income Tax Calculator FY 2025-26 — Old vs New Regime

Updated with Budget 2025 slabs · AY 2026-27

Compare your income tax liability under the Old Regime and the New Regimefor Financial Year 2025-26 (Assessment Year 2026-27). This calculator uses the latest Budget 2025 slabs, revised ₹75,000 standard deduction, ₹60,000 rebate u/s 87A (zero tax up to ₹12.75 lakh salary), and accurate surcharge + cess computation. Enter your income and deductions to instantly see which regime saves you more.

Annual Gross Income (Salary)
₹
0 ₹50,00,000 ₹+
Section 80C (max ₹1.5L)
₹
Section 80D — Health Ins. (max ₹1L)
₹
HRA Exemption
₹
Home Loan Interest (max ₹2L)
₹
NPS 80CCD(1B) (max ₹50K)
₹
Other Deductions
₹

New Regime is better for you

You save ₹1.05 L per year by choosing the New Regime compared to the Old Regime.

New Regime (Default)

BETTER

Total Tax Payable

₹97,500

Recommended for most

Gross Income₹15,00,000
Standard Deduction− ₹75,000
Taxable Income₹14,25,000
Base Tax (slab)₹93,750
Tax After Rebate₹93,750
Health & Edu Cess (4%)+ ₹3,750
Take-Home (Annual)₹14,02,500
Take-Home (Monthly)₹1,16,875
View slab-by-slab breakup
₹0 – ₹4.00 L @ 0%₹0
₹4.00 L – ₹8.00 L @ 5%₹20,000
₹8.00 L – ₹12.00 L @ 10%₹40,000
₹12.00 L – ₹16.00 L @ 15%₹33,750

Old Regime

Total Tax Payable

₹2,02,800

Better with high deductions

Gross Income₹15,00,000
Standard Deduction− ₹50,000
Other Deductions− ₹1,75,000
Taxable Income₹12,75,000
Base Tax (slab)₹1,95,000
Tax After Rebate₹1,95,000
Health & Edu Cess (4%)+ ₹7,800
Take-Home (Annual)₹12,97,200
Take-Home (Monthly)₹1,08,100
View slab-by-slab breakup
₹0 – ₹2.50 L @ 0%₹0
₹2.50 L – ₹5.00 L @ 5%₹12,500
₹5.00 L – ₹10.00 L @ 20%₹1,00,000
₹10.00 L – ∞ @ 30%₹82,500

About Income Tax & How This Calculator Works

New Regime Slabs FY 2025-26

0 – 4 lakh0%
4 – 8 lakh5%
8 – 12 lakh10%
12 – 16 lakh15%
16 – 20 lakh20%
20 – 24 lakh25%
Above 24 lakh30%

+ Standard Deduction ₹75,000 · + 87A Rebate up to ₹60,000 (income ≤ ₹12L)

Old Regime Slabs

0 – 2.5 lakh0%
2.5 – 5 lakh5%
5 – 10 lakh20%
Above 10 lakh30%

+ Standard Deduction ₹50,000 · + 87A Rebate up to ₹12,500 (income ≤ ₹5L) · Deductions allowed

How to Reduce Your Tax Legally

  • 80C (₹1.5L): ELSS, PPF, EPF, life insurance, home loan principal, tuition fees.
  • 80D (₹1L): Health insurance — self + parents (senior citizens).
  • 80CCD(1B) (₹50K): Additional NPS contribution.
  • HRA: House rent allowance (if you pay rent and receive HRA).
  • Home loan interest (₹2L): On self-occupied property.
  • NPS 80CCD(2): Employer contribution (available in both regimes).

How the Calculator Works

We compute tax slab-by-slab, apply the 87A rebate where eligible, then add surcharge (if income > ₹50L) and 4% health & education cess on the total.

For the Old Regime, deductions are capped at their statutory limits (₹1.5L for 80C, ₹2L for home loan interest, etc.). Results are estimates — your final tax may vary based on specific exemptions, perquisites, and actual income composition.

Frequently Asked Questions

Under the New Regime (FY 2025-26): 0–4 lakh: 0%, 4–8 lakh: 5%, 8–12 lakh: 10%, 12–16 lakh: 15%, 16–20 lakh: 20%, 20–24 lakh: 25%, above 24 lakh: 30%. The standard deduction is ₹75,000 and rebate u/s 87A makes income up to ₹12.75 lakh effectively tax-free.