Income Tax Calculator (India)

Your details

Drag the sliders or type exact values. Old-regime deductions are ignored under the New regime.

Annual gross income ₹

Old Regime Deductions

80C investments (max ₹1.5L) ₹

PPF, ELSS, LIC premiums, NSC, home-loan principal, etc.

80D health insurance (max ₹1L) ₹

Home loan interest 24(b) (max ₹2L) ₹

NPS 80CCD(1B) (max ₹50K) ₹

Other deductions incl. HRA ₹

HRA exemption, 80E, 80G, 80TTA, etc.

Tax comparison

You Save (best regime)
, 

Old Regime Tax

New Regime Tax

Recommended Regime

New regime slabs (FY 2025-26): 0-4L: 0% · 4-8L: 5% · 8-12L: 10% · 12-16L: 15% · 16-20L: 20% · 20-24L: 25% · above 24L: 30%. Rebate u/s 87A: tax = ₹0 if taxable income ≤ ₹12L.
Old regime slabs: 0-2.5L: 0% · 2.5-5L: 5% · 5-10L: 20% · above 10L: 30%. Rebate 87A: tax = ₹0 if taxable ≤ ₹5L. Standard deduction: Old ₹50,000 · New ₹75,000. Surcharge on slab tax: >50L: 10% · >1Cr: 15% · >2Cr: 25% (New regime caps at 25%) · >5Cr: 37% (Old only). Cess: 4% on (tax + surcharge).

Old vs New regime, full breakdown

Old Regime

Gross income ,

Standard deduction ₹50,000

80C (capped ₹1.5L) ,

80D health insurance ,

Home loan 24(b) (capped ₹2L) ,

NPS 80CCD(1B) (capped ₹50K) ,

Other deductions ,

Total deductions ,

Taxable income ,

Slab tax ,

Rebate u/s 87A ,

Surcharge ,

Cess (4%) ,

Total Tax ,

New Regime

Gross income ,

Standard deduction ₹75,000

Old-regime deductions Not applicable

Total deductions ₹75,000