Income Tax Calculator
Compare old vs new regime slabs and see your exact take-home pay.
For FY 2025-26, the new regime charges zero tax up to ₹12 lakh of income (with rebate) — so most salaried people under ₹12 lakh pay nothing without claiming a single deduction. Above that, compare both regimes: heavy 80C/HRA users sometimes still win on the old regime.
How to use the income tax calculator
- Enter your gross annual income.
- Add your total deductions.
- Compare old vs new regime instantly.
Income Tax Calculator — FAQs
Old vs new regime — which should I pick?
New regime suits most people now, especially after the ₹12 lakh rebate. Old regime wins only if your deductions (80C, HRA, 80D, home loan interest) are large — roughly ₹4 lakh+ of deductions.
What is the zero-tax limit now?
Under the new regime for FY 2025-26, income up to ₹12 lakh attracts zero tax thanks to the Section 87A rebate. Add the ₹75,000 standard deduction and salaried income up to ₹12.75 lakh is tax-free.
Which deductions work in the new regime?
Very few — standard deduction (₹75,000), employer NPS contribution, and Agniveer benefits. 80C, 80D and HRA don’t apply in the new regime.
Do I need to submit proof for the new regime?
Mostly no, since there are barely any deductions to claim — one reason it’s simpler. Old regime needs full proof submission to your employer.
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