Income Tax Calculator India FY 2025-26 — New vs Old
Calculate FY 2025-26 (AY 2026-27) income tax: new vs old regime side by side, ₹75,000 standard deduction, 87A nil tax up to ₹12 lakh, 4% cess included.
Total tax payable (new regime, FY 2025-26)
₹
Take-home: ₹ · effective rate %
Rates for FY 2025-26 (AY 2026-27); Budget 2026 left slabs unchanged for FY 2026-27. New regime: ₹75,000 standard deduction and §87A rebate — nil tax up to ₹12 lakh taxable income (₹12.75L salary), with marginal relief. Old regime: slabs for residents under 60, rebate up to ₹5 lakh taxable. Excludes surcharge (very high incomes). Verify with a tax professional.
Why you’ll love Income Tax Calculator India FY 2025-26 — New vs Old
Instant & free
No signup, no paywall, no limits — Income Tax Calculator India FY 2025-26 — New vs Old works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
No download and no login — the tool is ready right at the top of this page.
Use it
Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
About Income Tax Calculator India FY 2025-26 — New vs Old
This income tax calculator for India applies the FY 2025-26 (AY 2026-27) slabs introduced by the Finance Act 2025 — and since Budget 2026 left the slabs unchanged, the same numbers hold for FY 2026-27. Enter your annual income and it computes both regimes side by side: the new regime with its ₹75,000 standard deduction and seven slabs (nil up to ₹4 lakh, then 5%, 10%, 15%, 20% and 25% bands up to ₹24 lakh, and 30% above), and the old regime with its ₹50,000 standard deduction, classic 5%/20%/30% slabs and a field for your 80C, 80D and HRA deductions. It highlights which regime is cheaper and by exactly how much.
The calculation follows the Income Tax Act's method precisely. Under the new regime, the Section 87A rebate wipes out tax entirely when taxable income is up to ₹12 lakh — about ₹12.75 lakh of salary after the standard deduction — with marginal relief so incomes just above the limit are never worse off. A worked example: on a ₹16 lakh salary, taxable income is ₹15.25 lakh; slab tax comes to ₹20,000 + ₹40,000 + ₹48,750 = ₹1,08,750, plus 4% health and education cess of ₹4,350 — ₹1,13,100 in total, alongside your take-home and effective rate.
Everything runs in your browser: your salary is never uploaded or stored, so it is safe to test a real offer letter or the raise you are negotiating. Treat the result as a close planning estimate — it deliberately excludes the surcharge on very high incomes and assumes resident, under-60 old-regime slabs, so confirm final figures with a tax professional before filing.
Popular uses
Frequently asked questions
Anyone whose taxable income is up to ₹12 lakh. The Section 87A rebate cancels the full slab tax at that level, and salaried taxpayers also get the ₹75,000 standard deduction first — so a salary of up to about ₹12.75 lakh results in nil tax under the new regime. Above that, marginal relief phases the tax in gently rather than hitting you with the full slab amount.
Without it, earning ₹1 above the rebate limit would trigger the entire slab tax at once. Marginal relief caps your tax at the amount by which taxable income exceeds ₹12 lakh: at ₹12.10 lakh taxable, slab tax would be ₹61,500, but you pay only ₹10,000 (plus cess). The calculator applies this automatically, which is why tax grows rupee-for-rupee just past the limit.
It depends entirely on your deductions. The new regime has lower rates and a bigger ₹75,000 standard deduction but ignores 80C, 80D and HRA; the old regime keeps those deductions but taxes 5% from ₹2.5 lakh, 20% from ₹5 lakh and 30% above ₹10 lakh. Enter your actual deduction total in the field and the side-by-side comparison shows which one saves you money — for most people with modest deductions, the new regime now wins.
The surcharge that applies above ₹50 lakh of income, special rates on capital gains, professional tax, and EPF or other payroll deductions. The old-regime slabs shown are for resident individuals under 60 (senior citizens get higher exemption limits). So the result is your income-tax-plus-cess estimate, not a complete payslip breakdown.
They are the same tax year seen from two sides: FY (financial year) 2025-26 is when the income is earned — April 2025 to March 2026 — and AY (assessment year) 2026-27 is when that income is assessed and the return is filed. This calculator uses FY 2025-26 rates, which Budget 2026 also carried forward unchanged into FY 2026-27.
Income Tax Calculator India FY 2025-26 — New vs Old is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
More Calculators
From our collection of 317 free tools.
People also use
We built this. We can build yours.
Income Tax Calculator India FY 2025-26 — New vs Old is one of 200+ free tools from Workaholic Developers — a software & AI studio. Need a website, app, AI agent or automation? Let’s talk.
🇮🇳 Built by Workaholic Developers
We built this little toy in days. Imagine what we’ll build for you.
AI agents, web apps, automation, custom tools — designed and engineered fast, on whatever tech fits the job. If you can describe it, we can build it.