Income Tax Calculator FY 2025-26

Calculate your income tax under the New & Old Regime — accurate, free, instant.

Taxable Income

₹11,25,000

Income Tax

₹0

Health & Education Cess (4%)

₹0

Estimated Take-Home

₹12,00,000

Total Tax Payable

₹0

Disclaimer: Estimates based on FY 2025-26 slabs. Standard deduction of ₹75,000 (new) / ₹50,000 (old) auto-applied for salaried individuals. Consult a CA for final figures.

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Income Tax Slabs — New Regime (FY 2025-26)

  • Up to ₹4,00,000 — Nil
  • ₹4,00,001 – ₹8,00,000 — 5%
  • ₹8,00,001 – ₹12,00,000 — 10%
  • ₹12,00,001 – ₹16,00,000 — 15%
  • ₹16,00,001 – ₹20,00,000 — 20%
  • ₹20,00,001 – ₹24,00,000 — 25%
  • Above ₹24,00,000 — 30%

With the ₹75,000 standard deduction and Section 87A rebate, salaried individuals earning up to ₹12.75 lakh pay zero income tax under the new regime — a massive change introduced in Budget 2025.

Income Tax Slabs — Old Regime

  • Up to ₹2,50,000 — Nil
  • ₹2,50,001 – ₹5,00,000 — 5%
  • ₹5,00,001 – ₹10,00,000 — 20%
  • Above ₹10,00,000 — 30%

The old regime allows HRA, 80C (₹1.5L), 80D, home loan interest (₹2L) and several other deductions — making it attractive for people with home loans and high investments.

New vs Old Regime — Which Is Better?

Use the toggle above to compare both regimes side by side. As a quick rule: if your total deductions exceed roughly ₹3.75 lakh, the old regime usually saves more tax. Otherwise the new regime, with its lower slabs and ₹12L rebate, wins comfortably.

How the Calculator Works

  1. Pick your regime — New or Old.
  2. Enter annual gross income (salary, business, other income).
  3. For old regime, enter your total deductions (80C + 80D + HRA + others).
  4. Get instant tax, cess (4%) and take-home estimates.

Pair this with ourHRA Calculator,SIP Calculator,PPF Calculator, andFD Calculatorfor end-to-end financial planning.