✅ Free Tool — Updated for Budget 2025
Income Tax Calculator India 2025-26 — Old vs New Regime
Calculate your exact income tax under both old and new tax regime for FY 2025-26 (AY 2026-27). Compare side by side and see which saves you more. No login required.
New regime tax slabs 2025-26: Up to ₹3L = Nil · ₹3L–₹7L = 5% · ₹7L–₹10L = 10% · ₹10L–₹12L = 15% · ₹12L–₹15L = 20% · Above ₹15L = 30%. Rebate 87A: Zero tax if income ≤ ₹12 lakh (new regime). Standard deduction: ₹75,000.
Financial Year:
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Old Regime Deductions
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Tax Comparison — Old vs New
Old Regime
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with deductions
New Regime
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₹75K std deduction
Enter your income above to see comparison
Gross Income—
Standard Deduction—
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Tax Before Cess (New)—
4% Health & Edu Cess—
Recommended Regime
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📋 Income Tax Slabs India 2025-26 — Complete Reference
Tax slabs for FY 2025-26 under both regimes. New regime is now the default regime.
| Income Slab | Tax Rate | Tax on Slab |
|---|---|---|
| Up to ₹3,00,000 | Nil | ₹0 |
| ₹3,00,001 – ₹7,00,000 | 5% | Up to ₹20,000 |
| ₹7,00,001 – ₹10,00,000 | 10% | Up to ₹30,000 |
| ₹10,00,001 – ₹12,00,000 | 15% | Up to ₹30,000 |
| ₹12,00,001 – ₹15,00,000 | 20% | Up to ₹60,000 |
| Above ₹15,00,000 | 30% | ₹90,000 + 30% above ₹15L |
| + 4% Health & Education Cess on total tax. Rebate u/s 87A: Zero tax if income ≤ ₹12 lakh. Standard deduction: ₹75,000. | ||
📖 How to Use This Tax Calculator
- Select Financial YearChoose FY 2025-26 (current year) or FY 2024-25. Slabs and standard deduction update automatically.
- Enter Gross Annual IncomeType your total salary / CTC before any deductions. Include all income — salary, rental, freelance, etc.
- Enter Old Regime DeductionsFill in 80C investments, HRA exemption, health insurance (80D), NPS (80CCD 1B), home loan interest (24b), and any other eligible deductions. These only apply to the old regime calculation.
- Compare Both RegimesSee tax under old regime (with your deductions) vs new regime (standard deduction only). The recommended regime is highlighted automatically with your exact savings amount.
✅ Why Use This Calculator
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Instant Side-by-Side
Both regimes calculated simultaneously — no switching between tabs.
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Both FY 2024-25 & 2025-26
Covers current year and previous year with correct slabs.
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Budget 2025 Updated
Includes ₹12L rebate, ₹75K standard deduction for new regime.
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100% Private
No data stored anywhere. Runs entirely in your browser.
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Full Breakdown
Shows taxable income, tax before cess, cess, rebate, and final tax.
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Clear Recommendation
Tells you exactly which regime saves money and by how much.
❓ Frequently Asked Questions
What is the income tax slab for FY 2025-26 (new regime)?
New regime slabs for FY 2025-26: Up to ₹3L = Nil. ₹3L–₹7L = 5%. ₹7L–₹10L = 10%. ₹10L–₹12L = 15%. ₹12L–₹15L = 20%. Above ₹15L = 30%. Plus 4% health & education cess. Rebate u/s 87A: zero tax if total income ≤ ₹12 lakh (Budget 2025). Standard deduction = ₹75,000.
Which tax regime is better for me — old or new?
New regime is better if your total deductions (80C + HRA + 80D + NPS + home loan etc.) are less than ₹3.75 lakh. Old regime is better if you have high deductions above that threshold. For income up to ₹12 lakh, the new regime gives zero tax due to the 87A rebate. Use this calculator — enter your actual deductions and the result tells you instantly which regime saves more.
What is the Section 87A rebate for FY 2025-26?
Section 87A provides a full tax rebate under the new tax regime if your taxable income (after standard deduction) does not exceed ₹12 lakh. This means zero tax payable. Under the old regime, the 87A rebate applies if taxable income is up to ₹5 lakh. The rebate was enhanced in Budget 2025 for the new regime.
What is standard deduction for salaried employees in 2025-26?
Standard deduction for salaried employees is ₹75,000 under the new tax regime (increased from ₹50,000 in Budget 2024) and ₹50,000 under the old tax regime for FY 2025-26. This is a flat deduction available to all salaried individuals without needing any proof or investment.
How much tax will I pay on ₹15 lakh income in 2025-26?
For ₹15 lakh salary in FY 2025-26: New regime (after ₹75K std deduction, taxable = ₹14.25L) = ₹1,42,500 + 4% cess = ₹1,48,200. Old regime (with ₹50K std + ₹1.5L 80C, taxable = ₹13L) = ₹2,17,500 + 4% cess = ₹2,26,200. New regime saves ₹78,000 in this example (without HRA). With high HRA + deductions, old regime may still win — use the calculator.
Is the new tax regime compulsory from FY 2025-26?
Yes, the new tax regime is the default regime from FY 2024-25 onwards. If you do not specifically opt for the old regime when filing your ITR, the new regime will be applied. However, salaried individuals can switch between regimes every financial year. Business owners and professionals can switch only once.
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