Income Tax Calculator India FY 2025-26
Calculate your income tax liability under both the New Regime and Old Regime for FY 2025-26 (AY 2026-27). Enter your gross annual income and deductions to get a side-by-side comparison, slab-wise breakdown, rebate u/s 87A, surcharge, and 4% cess — and instantly see which regime saves you more money. All calculations run locally in your browser — your financial data never leaves your device. Free, no signup required.
Total income before any deductions
Affects old regime basic exemption limit
Old Regime Deductions (leave blank if not applicable)
Max ₹1.5 L (PPF, ELSS, LIC, etc.)
Max ₹25K (₹50K for senior)
Exempt HRA amount
Max ₹50K additional NPS
Max ₹2 L (self-occupied)
80E, 80G, 80TTA, etc.
Note: Standard deduction of ₹75,000 (new regime) and ₹50,000 (old regime) is applied automatically.
Why Use Our Income Tax Calculator India?
New Regime vs. Old Regime Side-by-Side Comparison
The income tax calculator India instantly computes your tax liability under both the New Regime (FY 2025-26 slabs) and the Old Regime, shows which regime saves you more money, and displays the exact tax saving amount — so you can make an informed decision before filing.
Accurate FY 2025-26 Tax Slabs with Slab-wise Breakdown
The income tax calculator India uses the updated FY 2025-26 tax slabs from Union Budget 2025, including the enhanced new regime slabs, ₹75,000 standard deduction, ₹12 lakh rebate u/s 87A, surcharge, and 4% Health & Education Cess. A slab-wise breakdown shows exactly how much tax falls in each bracket.
Secure Income Tax Calculator Online
Your income, salary, and financial details are never sent to any server. The income tax calculator India runs entirely client-side in your browser — no data logging, no third-party requests, 100% private.
100% Free — No Limits, No Ads
The income tax calculator India is completely free with no signup, no account, no premium tier, and no usage limits. Calculate your tax liability for any income level as many times as you need — forever free, no ads.
Common Use Cases for Income Tax Calculator India
Salaried Employees — Regime Selection
Use the income tax calculator India to decide whether to opt for the New Regime or Old Regime before submitting your investment declaration to your employer. The calculator shows the exact tax saving from each regime for your specific income and deductions.
Home Loan & HRA Deduction Planning
Enter your home loan interest (Section 24) and HRA exemption to see whether the old regime's deductions outweigh the new regime's lower rates. The income tax calculator India helps you quantify the benefit of these deductions before making a decision.
Section 80C Investment Planning
Calculate how much tax you save by maximizing Section 80C investments (PPF, ELSS, LIC, NSC) under the old regime. The income tax calculator India shows whether the tax saving justifies choosing the old regime over the simpler new regime.
Advance Tax Estimation
Estimate your total tax liability for FY 2025-26 to plan advance tax payments. The income tax calculator India shows your monthly TDS amount, helping you avoid interest under Section 234B and 234C for under-payment of advance tax.
Senior Citizen Tax Planning
Senior citizens (60–80 years) and super senior citizens (80+) have higher basic exemption limits under the old regime. The income tax calculator India applies the correct age-based slabs and shows the tax benefit for senior taxpayers.
Salary Negotiation & CTC Analysis
Understand the take-home impact of a salary hike by calculating the marginal tax rate on the incremental income. The income tax calculator India helps you evaluate job offers and negotiate salary structures with full tax visibility.
Understanding India Income Tax FY 2025-26
What is the New Regime vs. Old Regime?
India has two income tax regimes for individuals. The New Tax Regime (default from FY 2023-24) offers lower tax rates across more slabs but does not allow most deductions and exemptions. The Old Tax Regime has higher rates but allows deductions under Section 80C, 80D, HRA, home loan interest, NPS, and more. The income tax calculator India computes your liability under both regimes simultaneously so you can choose the one that results in lower tax for your specific income and investment profile.
How Our Income Tax Calculator India Works
Tax calculation happens in three steps, entirely in your browser:
- Enter your income and deductions: Input your gross annual income, age category, and applicable old regime deductions (Section 80C, 80D, HRA, NPS, home loan interest, etc.). The income tax calculator India automatically applies the standard deduction (₹75,000 for new regime, ₹50,000 for old regime).
- Instant browser-based calculation: Click Calculate Tax and the income tax calculator India applies the FY 2025-26 tax slabs, rebate u/s 87A, surcharge, and 4% Health & Education Cess for both regimes simultaneously. Your financial data never leaves your device.
- Review the comparison: See which regime saves you more money, the exact tax saving amount, monthly TDS, effective tax rate, and a slab-wise breakdown for both regimes.
FY 2025-26 New Regime Tax Slabs
- ₹0 – ₹4 lakh: Nil (0%)
- ₹4 lakh – ₹8 lakh: 5%
- ₹8 lakh – ₹12 lakh: 10%
- ₹12 lakh – ₹16 lakh: 15%
- ₹16 lakh – ₹20 lakh: 20%
- ₹20 lakh – ₹24 lakh: 25%
- Above ₹24 lakh: 30%
Standard deduction: ₹75,000. Rebate u/s 87A: Full rebate (up to ₹60,000) if taxable income ≤ ₹12 lakh — effectively zero tax up to ₹12.75 lakh gross income.
Important Limitations
The income tax calculator India covers the standard slab-based tax for individuals with salary/business income. It does not cover special tax rates for capital gains (STCG/LTCG), lottery winnings, or other special income. Surcharge marginal relief is not applied. The calculator is intended for planning and estimation — consult a Chartered Accountant (CA) for precise tax computation, ITR filing, and tax planning advice. Tax laws are subject to change; verify with the latest CBDT notifications.
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Frequently Asked Questions About Income Tax Calculator India
The income tax calculator India for FY 2025-26 (AY 2026-27) computes your tax liability under both the New Regime and Old Regime using the latest tax slabs from Union Budget 2025. It shows which regime saves you more money, the slab-wise breakdown, rebate u/s 87A, surcharge, and 4% cess. All calculations run locally in your browser with no server required.
New regime slabs for FY 2025-26: ₹0–₹4L: Nil; ₹4L–₹8L: 5%; ₹8L–₹12L: 10%; ₹12L–₹16L: 15%; ₹16L–₹20L: 20%; ₹20L–₹24L: 25%; Above ₹24L: 30%. Standard deduction is ₹75,000. Full rebate u/s 87A applies if taxable income ≤ ₹12 lakh, making effective tax zero up to ₹12.75 lakh gross income.
It depends on your deductions. If your total deductions (80C, 80D, HRA, home loan interest, NPS, etc.) are large enough to bring your taxable income significantly below the new regime equivalent, the old regime may save more tax. Use the income tax calculator India to compare both regimes for your specific income and deductions — the calculator shows the exact saving from each regime.
Under the New Regime for FY 2025-26, a full tax rebate of up to ₹60,000 is available if your taxable income does not exceed ₹12,00,000. This means zero income tax for taxable income up to ₹12 lakh (₹12.75 lakh gross with standard deduction). Under the Old Regime, the rebate is ₹12,500 for taxable income up to ₹5 lakh.
Completely. All calculations happen entirely in your browser using JavaScript. Your income, salary, and financial details are never transmitted to any server, stored, or logged — ensuring complete privacy when you use the income tax calculator India online.
Yes — 100% free, forever. No signup, no account, no premium tier, no ads, and no usage limits. The income tax calculator India is a fully free browser-based tool. Calculate your tax liability for any income level as many times as you need without any restrictions.
The old regime allows: Standard deduction (₹50,000), Section 80C up to ₹1.5 lakh (PPF, ELSS, LIC, NSC, home loan principal), Section 80D up to ₹25,000 (₹50,000 for senior citizens) for health insurance, HRA exemption, NPS 80CCD(1B) up to ₹50,000, home loan interest under Section 24 up to ₹2 lakh, and various other deductions.
Surcharge is an additional tax on income tax for high-income earners. Under the new regime: 10% surcharge for income ₹50L–₹1Cr, 15% for ₹1Cr–₹2Cr, 25% for above ₹2Cr (capped at 25%). Under the old regime: same rates up to ₹2Cr, then 37% above ₹5Cr. The income tax calculator India applies surcharge automatically.
Health & Education Cess is 4% of (income tax + surcharge) and is applicable to all taxpayers regardless of income level. It is added on top of the basic tax and surcharge. The income tax calculator India includes cess in the total tax liability calculation.