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)
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Old Regime Tax

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New Regime Tax

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Recommended Regime

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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