Income tax calculator: old vs new regime
Your estimate
| New regime | Old regime |
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Includes standard deduction, Section 87A rebate (with marginal relief), surcharge (with marginal relief) and 4% cess. Does not cover capital gains, agricultural income, or employer NPS (80CCD(2)).
How this calculator works
We start from your gross salary and other income, subtract the standard deduction (₹75,000 in the new regime, ₹50,000 in the old), and — only for the old regime — the deductions you enter, within their legal caps. Then we apply each regime’s slabs, the Section 87A rebate, any surcharge and the 4% health and education cess.
Not sure which to pick? Read our explainer: Old vs new tax regime: a simple way to decide.
Frequently asked questions
Which tax regime is better for me?
It depends on your deductions. The new regime has lower rates and a larger rebate; the old regime allows deductions such as 80C, 80D, HRA and home-loan interest. Enter your numbers above to compare both.
Is income up to ₹12 lakh tax-free under the new regime?
For FY 2025-26, resident individuals with taxable income up to ₹12 lakh get a rebate under Section 87A that brings tax to zero under the new regime. Salaried people also get a ₹75,000 standard deduction, so salary up to about ₹12.75 lakh can be tax-free. Special-rate income such as capital gains is treated differently.
Does this calculator store my data?
No. All calculations happen in your browser. Nothing you type is sent to our servers.
Estimates only, based on FY 2025-26 (AY 2026-27) rules as announced in Union Budget 2025. Not tax advice — rules change; verify with the Income Tax Department’s official calculator or a chartered accountant before filing.