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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

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Total income before any deductions.

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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.