Income Tax Calculator
Calculate your India income tax for FY 2025-26 (AY 2026-27). Compare old vs new tax regime, factor in 80C/80D/HRA deductions, and see your exact take-home salary ā free, instant, and 100% private.
Your Income Details
Your total salary / business income before any deductions
Tax Breakdown
Enter your annual income on the left and click Calculate Tax to see a full breakdown.
Old Tax Regime Slabs ā FY 2025-26
| Income Slab | Rate |
|---|---|
| Up to ā¹2,50,000 | 0% |
| ā¹2,50,001 ā ā¹5,00,000 | 5% |
| ā¹5,00,001 ā ā¹10,00,000 | 20% |
| Above ā¹10,00,000 | 30% |
+ 4% Health & Education Cess on tax. Surcharge applies above ā¹50L. Rebate u/s 87A: zero tax if taxable income ā¤ ā¹5L.
Deductions allowed: 80C (ā¹1.5L), 80D, HRA, LTA, home loan interest, NPS, 80Gā¦
New Tax Regime Slabs ā FY 2025-26
| Income Slab (after ā¹75K std ded.) | Rate |
|---|---|
| Up to ā¹4,00,000 | 0% |
| ā¹4,00,001 ā ā¹8,00,000 | 5% |
| ā¹8,00,001 ā ā¹12,00,000 | 10% |
| ā¹12,00,001 ā ā¹16,00,000 | 15% |
| ā¹16,00,001 ā ā¹20,00,000 | 20% |
| ā¹20,00,001 ā ā¹24,00,000 | 25% |
| Above ā¹24,00,000 | 30% |
+ 4% Health & Education Cess. Rebate u/s 87A: zero tax for gross income ā¤ ā¹12L. Effectively ā¹12.75L is tax-free for salaried.
No 80C/HRA deductions. Standard deduction ā¹75,000 auto-applied.
Disclaimer: This calculator is for informational purposes only and provides an estimate based on standard FY 2025-26 slabs. It does not account for all possible deductions, exemptions, surcharges on very high incomes, or special cases (capital gains, business income, etc.). Consult a qualified Chartered Accountant for tax filing and planning advice.
Free India Income Tax Calculator for FY 2025-26 (AY 2026-27)
Our income tax calculator is the fastest way to estimate your India income tax liability for the financial year 2025-26. Whether you are a salaried employee, a freelancer, or a business owner, simply enter your annual gross income, choose between the old tax regime and the new tax regime, enter your 80C/80D/HRA deductions (if using the old regime), and get an instant, itemised breakdown: taxable income, income tax as per slabs, Health & Education Cess (4%), surcharge (for high incomes), total tax payable, effective tax rate, and monthly take-home.
Budget 2025 introduced a landmark change: under the new regime, income up to ā¹12 lakh is completely tax-free thanks to the rebate under Section 87A ā and for salaried employees who also get a ā¹75,000 standard deduction, effective zero-tax income becomes ā¹12.75 lakh. Our calculator reflects these latest rules fully, including the new 7-slab structure for the new regime.
The tool runs entirely in your browser. No data is sent to any server, and no account is required. Use the built-in regime comparison to instantly see which regime saves you more tax based on your specific deductions.
How to Use the Tax Calculator
- 1
Enter your annual gross income
Type your total income for FY 2025-26 before any deductions ā for salaried individuals this is the CTC or the gross salary figure on your payslip.
- 2
Choose a tax regime
Select New Regime (the default from FY 2023-24 onward) or Old Regime. The new regime has lower rates but disallows most deductions; the old regime allows 80C, 80D, HRA, and more.
- 3
Add deductions (Old Regime only)
If you chose the old regime, enter your Section 80C investments (max ā¹1.5L), 80D health insurance premiums, HRA exemption, and any other eligible deductions. The tool caps 80C at ā¹1.5L automatically.
- 4
Click Calculate Tax
Instantly see your taxable income, slab-wise tax, cess, surcharge (if applicable), total tax, effective tax rate, monthly tax deduction, and monthly take-home salary.
- 5
Compare both regimes
Click "Compare" in the results to see a side-by-side table of both regimes so you can make an informed choice before submitting your declaration to your employer.
Why Use This Tax Calculator
Side-by-Side Regime Comparison
See exactly how much more (or less) tax you pay in the new vs old regime so you can declare the right option to your employer.
Granular Deduction Inputs
Enter 80C, 80D, HRA, and other deductions individually ā not as a single lump sum ā for an accurate old-regime calculation.
Full Breakdown with Cess & Surcharge
Most calculators skip surcharge. Ours applies the correct surcharge (10%ā37%) for high incomes above ā¹50L.
Mobile-First Design
Works perfectly on phones, tablets, and desktops. No app or plugin needed ā open the page and calculate instantly.
100% Private ā No Server
All calculations happen in your browser. Your income and financial data are never sent anywhere or stored.
FY 2025-26 Up to Date
Reflects Budget 2025 changes: the new ā¹12L rebate limit, updated 7-slab structure, and ā¹75,000 standard deduction.
Monthly Tax & Take-Home
See how much TDS your employer should deduct each month and your exact monthly in-hand salary after tax.
Completely Free ā No Upsells
No registration, no premium plan, no ads in the way. Free for everyone, always.
Old vs New Tax Regime ā Key Differences
| Feature | Old Regime | New Regime (default) |
|---|---|---|
| Tax slabs | 3 slabs (5%, 20%, 30%) | 7 slabs (5%ā30%, lower rates) |
| Standard deduction | Not applicable | ā¹75,000 for salaried |
| 80C deduction | Up to ā¹1,50,000 | Not allowed |
| 80D (health insurance) | Up to ā¹25,000āā¹50,000 | Not allowed |
| HRA exemption | Allowed | Not allowed |
| Home loan interest | Deductible (self-occ.) | Not allowed |
| LTA / Leave encashment | Partially exempt | Mostly taxable |
| NPS 80CCD(1B) extra ā¹50K | Allowed | Not allowed |
| Rebate u/s 87A | Zero tax if taxable ā¤ ā¹5L | Zero tax if gross ā¤ ā¹12L |
| Best for | High deduction claimers (>ā¹3.75L deductions) | Most salaried with few deductions |
General rule: if your total eligible deductions exceed approximately ā¹3.75L (for ā¹15L income bracket), the old regime is likely better. Otherwise the new regime saves you more. Always use the comparison feature above to be sure.
Who Uses This Calculator
Salaried Employees
Calculate TDS, choose between old and new regime before submitting Form 12BB, and know your exact take-home salary.
Freshers & First Jobs
Understand how much tax you will pay for the first time, plan salary negotiations, and set up emergency savings correctly.
HR & Payroll Teams
Quickly estimate tax liability for different CTCs to structure offers, communicate TDS, and answer employee queries.
Freelancers & Consultants
Estimate advance tax requirements for professional income and determine quarterly advance tax instalments.
Tax Planning
Simulate different 80C investment amounts (PPF, ELSS, NPS) and see how each rupee invested reduces your tax bill.
Job Offer Comparisons
Evaluate two offers with different CTCs, benefits, and HRA components to find which one leaves more in your pocket.
Frequently Asked Questions
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