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Income Tax Calculator

Old regime against new, computed side by side, with the slab-by-slab working shown rather than just a total. Rates are for FY 2025-26 (AY 2026-27).

Your income

Total income before any deductions.

Section 80C, 80D, home loan interest and similar. The new regime does not permit most of these.

Better option

  New regime Old regime
Gross income
Standard deduction
Other deductions
Taxable income
Tax before rebate
Rebate u/s 87A
Surcharge
Health & education cess
Total tax payable
Effective rate

Slab breakdown, better regime

Income slabRateTax

This is an estimate, not a tax filing

It covers the common case for a resident individual below 60. It does not handle capital gains taxed at special rates, income from house property, business or professional income, relief under section 89, foreign income, or the higher exemption limits for senior and super-senior citizens. Marginal relief on surcharge is not modelled. Confirm your position with a chartered accountant before filing.

Tax planning is not the same as tax saving.

Buying a poor product for a deduction is still buying a poor product.