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

Compare income tax under old and new regime with slab-wise breakdown, rebate, cess, and take-home estimate.

Based on Indian Income Tax rules (New Regime) — FY2025-26

New regime applies standard deduction of 75,000 automatically. No other deductions are available.

Tax under Old Regime

₹1,11,800

Tax under New Regime

₹0

Recommendation

New Regime saves ₹1,11,800

Slab-wise Breakdown

Up to ₹4,00,000 @ 0%₹0
₹4,00,001 - ₹8,00,000 @ 5%₹20,000
₹8,00,001 - ₹12,00,000 @ 10%₹32,500
Tax Before Rebate₹52,500
Rebate u/s 87A- ₹52,500
Health & Education Cess (4%)₹0
Total Tax₹0
Take-home Income₹12,00,000

Income vs Tax vs Take-home

Gross Income₹12,00,000
Total Tax₹0
Take-home₹12,00,000

How It Works

01

Enter Income

Add salary and old regime deductions

02

Compare Regimes

See old vs new tax with cess and rebate

03

Choose Better Option

Get recommendation and take-home estimate

Help Us Improve

Your feedback helps us build better tools.

About Income Tax Calculator

Our free Income Tax Calculator compares tax liability under India's Old Regime and New Regime for FY 2024-25 and FY 2025-26. Enter annual income, age group, and deductions to see side-by-side tax, cess, rebate u/s 87A, and take-home estimates with slab-wise breakdown.

Essential for salaried employees, freelancers, and professionals deciding which regime to choose at the start of the financial year. Accounts for standard deduction, 80C, 80D, HRA, home loan interest, and NPS under the old regime, plus updated new regime slabs with ₹75,000 standard deduction for FY 2025-26.

All tax calculations run entirely in your browser. Your income and deduction figures are never uploaded to any server — critical for confidential salary and investment planning data during ITR season in India.

When Should You Use Income Tax Calculator?

Tax planning

Estimate annual tax before the March investment deadline for 80C and 80D.

Old vs new regime comparison

See which regime saves more tax for your specific income and deductions.

Investment planning

Model how ELSS, PPF, and NPS deductions reduce tax under the old regime.

Form 16 verification

Cross-check TDS deducted by employer against calculated tax liability.

ITR filing prep

Prepare estimated tax figures before filing on the Income Tax e-filing portal.

Frequently Asked Questions