Income Tax Calculator
Compare the old vs new tax regime for FY 2025-26 & 2026-27 and see which one saves you more.
New regime
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Old regime
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Estimates for FY 2025-26 & 2026-27. Excludes surcharge on very high incomes and marginal-relief edge cases. Verify before filing.
Frequently asked questions
Old regime vs new regime — which is better?
The new regime has lower rates and a higher rebate but allows almost no deductions. The old regime has higher rates but lets you claim deductions like 80C, 80D, HRA and home loan interest. If you have large deductions the old regime can win; otherwise the new regime usually does. This calculator compares both for you.
What is the Section 87A rebate?
A rebate that makes your tax zero below a limit. Under the new regime for FY 2025-26 the limit is ₹12,00,000 (₹12.75 lakh gross for salaried, after standard deduction). Under the old regime the limit is ₹5,00,000.
What is the standard deduction?
A flat deduction for salaried individuals and pensioners — ₹75,000 under the new regime and ₹50,000 under the old regime. This calculator applies it when you mark yourself as salaried.
Is the 4% cess included?
Yes. A 4% Health and Education Cess is added on top of the income tax in both regimes, and the figures shown include it.