โšก Updated for Finance Act 2025 ยท AY 2026-27

Income Tax Calculator
FY 2025-26

Compare Old vs New Regime instantly. Get monthly take-home, effective tax rate, visual charts and personalised recommendation.

Zero tax up to โ‚น12,75,000
87A Rebate โ‚น60,000
Standard Deduction โ‚น75,000
โ‚น1 Lakhโ‚น50 Lakh
โ‚น
Total annual CTC / salary before any deductions
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Interest, rent, capital gains or other taxable income
โ‚น
HRA, LTA, children education allowance etc.
โ‚น
State professional tax deducted from salary
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PPF, ELSS, LIC, EPF, tuition fees (max โ‚น1.5L)
โ‚น
Self โ‚น25K + Parents โ‚น25K (Senior โ‚น50K each)
โ‚น
Extra NPS contribution beyond 80C limit (max โ‚น50,000)
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Employer NPS contribution โ€” deductible under BOTH regimes (max 10% of basic salary)
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80E (education loan), 80G (donations), 80TTA etc.
๐ŸŸก OLD REGIME โ€” FY 2025-26
Up to โ‚น2,50,000Nil
โ‚น2,50,001 โ€“ โ‚น5,00,0005%
โ‚น5,00,001 โ€“ โ‚น10,00,00020%
Above โ‚น10,00,00030%
Standard Deduction: โ‚น50,000 | Section 87A: โ‚น12,500 rebate if income โ‰ค โ‚น5,00,000
๐Ÿ”ต NEW REGIME โ€” FY 2025-26 (Default)
Up to โ‚น4,00,000Nil
โ‚น4,00,001 โ€“ โ‚น8,00,0005%
โ‚น8,00,001 โ€“ โ‚น12,00,00010%
โ‚น12,00,001 โ€“ โ‚น16,00,00015%
โ‚น16,00,001 โ€“ โ‚น20,00,00020%
โ‚น20,00,001 โ€“ โ‚น24,00,00025%
Above โ‚น24,00,00030%
Standard Deduction: โ‚น75,000 | Section 87A: โ‚น60,000 rebate if income โ‰ค โ‚น12,00,000 | Zero tax for salaried up to โ‚น12,75,000 gross
Surcharge applicable: 10% for income > โ‚น50L | 15% for > โ‚น1Cr | 25% for > โ‚น2Cr | 37% for > โ‚น5Cr (capped at 25% under New Regime). Education Cess: 4% on tax + surcharge.
BASIC EXEMPTION (NEW REGIME)
โ‚น3,00,000
โ‚น4,00,000 โ†‘
Raised by โ‚น1 lakh under Finance Act 2025
SECTION 87A REBATE (NEW REGIME)
โ‚น25,000 (up to โ‚น7L)
โ‚น60,000 (up to โ‚น12L) โ†‘
Effective zero tax for income up to โ‚น12,00,000
ZERO TAX LIMIT (SALARIED)
โ‚น7,75,000
โ‚น12,75,000 โ†‘
After โ‚น75,000 standard deduction + 87A rebate
STANDARD DEDUCTION (NEW REGIME)
โ‚น50,000
โ‚น75,000 โ†‘
Increased from FY 2024-25 budget
NEW REGIME DEFAULT STATUS
Optional
Default โœ“
New Regime is now default; opt out for Old Regime
NEW TAX SLABS (NEW REGIME)
5 slabs
7 slabs โ†‘
New 25% slab added for โ‚น20Lโ€“โ‚น24L income
๐Ÿ’ก Summary: For most salaried individuals with income up to โ‚น12,75,000, the New Regime is now clearly more beneficial with zero tax payable. For those with higher deductions (HRA, 80C, 80D, home loan interest), the Old Regime may still save more tax. Use the calculator above to compare for your specific case.
๐Ÿฆ NPS Tax Saving Tip โ€” 80CCD(2): Employer NPS contribution up to 10% of Basic Salary is deductible under BOTH Old and New Regimes. This is the most powerful deduction available under New Regime. Ask your employer to restructure salary to maximise this benefit.
OLD REGIME TAX
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Total annual tax
NEW REGIME TAX
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Total annual tax
YOU SAVE
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By choosing best regime
EFFECTIVE RATE
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Best regime rate
OLD REGIME โ€” EFFECTIVE TAX RATE
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NEW REGIME โ€” EFFECTIVE TAX RATE
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Monthly Take-Home Breakdown
Gross Monthly Salary
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Monthly Tax (Old)
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deducted as TDS
Monthly Tax (New)
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deducted as TDS
Take-Home (Old)
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monthly in-hand
Take-Home (New)
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monthly in-hand
Extra Monthly Saving
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by choosing best
Tax Comparison
Income Breakdown (New Regime)
Detailed Tax Calculation
๐ŸŸก Old Regime
๐Ÿ”ต New Regime

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Disclaimer: This calculator is provided for general informational purposes only. Results are indicative and may not account for surcharge, marginal relief, or all deductions. Tax laws are subject to change. Please consult a qualified Chartered Accountant for advice specific to your situation. Tax-Effiling.com ยท +91 9422238870