Calculate your income tax for FY 2025-26 (AY 2026-27). Compare Old Regime vs New Regime side by side and see exactly which one saves you more money.
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Affects basic exemption limit in old regime.
Total annual salary before any deductions.
PF, PPF, ELSS, LIC — max ₹1.5L.
80D health insurance, HRA, home loan interest etc.
FY 2025-26 New Regime slabs (default): 0% up to ₹4L, 5% up to ₹8L, 10% up to ₹12L, 15% up to ₹16L, 20% up to ₹20L, 25% up to ₹24L, 30% above. Rebate u/s 87A: zero tax if income ≤ ₹12L.
Old Regime: Standard slabs with ₹50K standard deduction + your claimed deductions. Rebate if taxable income ≤ ₹5L.
Both include 4% Health & Education Cess.
If total deductions exceed ₹3.75L, old regime usually wins. Below that, new regime saves more. This calculator tells you exactly for your numbers.
Yes. From FY 2023-24, new regime is default. You must explicitly opt for old regime with your employer for TDS or while filing ITR.
Under new regime, zero tax if net taxable income ≤ ₹12L. Under old regime, zero tax if taxable income ≤ ₹5L.
Surcharge applies above ₹50L income. This calculator shows base tax + 4% cess. For incomes above ₹50L consult a CA for surcharge.