Income Tax Calculator India FY 2025-26 - Old vs New Regime Comparison
Income Tax Calculator
FY 2025-26 (AY 2026-27) -- Old vs New Regime comparison with tax optimization
Income Details
Your next ₹1,000 earned will be taxed at
Saves you ₹1.10 L per year
That is ₹9,1,43.33 more in your pocket every month
Old Regime
New Regime
BETTEROld Regime Slabs
| Income Range | Rate |
|---|---|
| Up to - ₹2.50 L | 0% |
| ₹2.50 L - ₹5.00 L | 5% |
| ₹5.00 L - ₹10.00 L | 20% |
| ₹10.00 L - Above | 30% |
New Regime Slabs (FY 2025-26)
| Income Range | Rate |
|---|---|
| Up to - ₹4.00 L | 0% |
| ₹4.00 L - ₹8.00 L | 5% |
| ₹8.00 L - ₹12.00 L | 10% |
| ₹12.00 L - ₹16.00 L | 15% |
| ₹16.00 L - ₹20.00 L | 20% |
| ₹20.00 L - ₹24.00 L | 25% |
| ₹24.00 L - Above | 30% |
Income vs Tax
Tax Liability Comparison
Income vs Tax vs Take-Home
Monthly Take-Home (Best Regime)
Gross Monthly
₹99,1,66.67
Tax / Month
-₹0
PF / Month
-₹72,0,00
Net Take-Home
₹27,1,66.67
Tax Saving Suggestions
80D(Save up to ₹22,5,00 in tax)
Claim up to ₹75K more for health insurance premiums (self + parents).
Home Loan(Save up to ₹60,0,00 in tax)
Home loan interest deduction up to ₹2L under Section 24(b) can significantly reduce taxable income.
80E
If you have an education loan, the entire interest paid is deductible under Section 80E (no upper limit).
What Does This Tool Do?
This Income Tax Calculator helps you calculate income tax for FY 2025-26 with side-by-side Old vs New Regime comparison, deductions support, CTC to in-hand conversion, and tax saving suggestions. It is designed for salaried employees, freelancers, business owners, CAs, and tax planners who need quick and reliable results.
When Should You Use It?
You should use this tool when:
- •You want to compare Old vs New tax regime to decide which saves more
- •You need to calculate your take-home salary from CTC
- •You are planning tax-saving investments under 80C, 80D, NPS
- •You want to understand your marginal tax rate and optimize income
- •You need a monthly take-home breakdown after tax and PF deductions
How to Use This Tool
Enter or upload the required information
Click on the calculate / convert button
Get instant results
Common Use Cases
- •Annual tax planning and regime selection
- •Salary negotiation and CTC structuring
- •Tax-saving investment planning
- •Monthly budget planning with take-home salary
- •Filing income tax returns with accurate calculations
Frequently Asked Questions
Which is better - Old or New Regime?
If your total deductions exceed approximately ₹3.75 lakh, the Old Regime is usually better. For income up to ₹12 lakh, the New Regime with standard deduction of ₹75,000 and rebate u/s 87A is often more beneficial. Use this calculator to compare both side-by-side.
What is the standard deduction in New Regime?
For FY 2025-26, salaried employees get a standard deduction of ₹75,000 under the New Tax Regime (increased from ₹50,000 in Budget 2024).
What is Section 87A rebate?
Under the New Regime, if your taxable income is up to ₹12 lakh, you get a rebate of up to ₹60,000, effectively making income up to ₹12 lakh tax-free. Under the Old Regime, the rebate is up to ₹12,500 for income up to ₹5 lakh.
How is CTC split into components?
Typically: Basic = 40% of CTC, HRA = 50% of Basic, Special Allowance = remaining after PF. Employer PF = 12% of Basic. The exact split varies by company policy.
What deductions are available in Old Regime only?
Section 80C (₹1.5L), Section 80D (health insurance), HRA exemption, Home Loan Interest (Sec 24b, ₹2L), NPS 80CCD(1B) (₹50K), Education Loan (80E), and Donations (80G) are available only in the Old Regime.
How to Use This Tool
Enter or upload the required information
Click on the calculate / convert button
Get instant results
Frequently Asked Questions
Is this Income Tax Calculator free to use?
Yes, it is completely free and requires no signup or registration.
Is my data saved?
No. All processing happens locally in your browser for 100% privacy.
Can I use this Income Tax Calculator on mobile?
Yes, it works perfectly on all devices including mobile phones and tablets.