Salaried employees
Decide which regime to declare to your employer.
Income tax calculator, FY 2025-26 (AY 2026-27)
Enter your income and deductions to compare the two regimes. This is an estimate for planning: please check with your CA before filing.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Enter your yearly salary and other income.
- Tick the box to add old-regime deductions such as 80C, 80D and home loan interest.
- Compare the tax under both regimes and note which is lower.
Where it helps
Small business owners
Get a rough idea of tax before meeting your CA.
Job offers
See how a raise changes your take-home tax.
Good to know
Stays in your browser
Figures you enter are worked out on your device and never sent to our servers.
An estimate
Rules change; confirm with your CA before deciding.
Not included
Capital gains at special rates, business rules, TDS already paid.
Questions people ask
Which tax regime is better for FY 2025-26?
It depends on your deductions. Under the new regime, taxable income up to ₹12 lakh pays no tax because of a rebate, and salaried people get a ₹75,000 standard deduction, so salary up to ₹12.75 lakh is tax-free. The old regime tends to win only with large deductions. Enter your income to compare both.
- FY 2025-26 AY 2026-27. Income from April 2025.
- ₹12 lakh Tax-free income. New regime, with rebate.
- ₹75,000 Standard deduction. New regime, salaried.
- Estimate For planning. Check with your CA.
Which tax year does this calculator use?
Financial year 2025-26, assessment year 2026-27: the income you earn from 1 April 2025 to 31 March 2026 and report in the return you file in 2026. The page title says so, because rates and slabs change with each Budget, and an old calculator can mislead.
Is income up to ₹12 lakh really tax-free?
Under the new regime, yes: taxable income up to ₹12 lakh pays no tax because of a rebate of up to ₹60,000. A salaried person with the ₹75,000 standard deduction reaches ₹12.75 lakh of salary tax-free. The rebate doesn't cover tax on capital gains taxed at special rates.
Which regime is better for me?
The tool shows both. The old regime tends to win only when your deductions, such as 80C, HRA, home loan interest and NPS, are large, often above ₹3 to 4 lakh. Many salaried people with fewer deductions pay less under the new regime with its lower rates.
What isn't included?
Capital gains at special rates, agricultural income, business income rules, surcharge marginal relief above ₹50 lakh, and tax already deducted or paid, such as TDS and advance tax. It's an estimate, so please check with your CA before relying on the figure. Treat it as a guide.
Can I rely on this to file my return?
No. Use it to plan and compare regimes. File using the Income Tax portal or with a chartered accountant, who can account for everything in your situation, including other income, TDS credits and any special cases the calculator doesn't cover. Planning early helps. Keep records ready.
What are the new regime tax slabs for FY 2025-26?
Nil up to ₹4 lakh, 5% from ₹4 to 8 lakh, 10% from ₹8 to 12 lakh, 15% from ₹12 to 16 lakh, 20% from ₹16 to 20 lakh, 25% from ₹20 to 24 lakh and 30% above ₹24 lakh, plus 4% health and education cess. The rebate makes tax nil up to ₹12 lakh of taxable income.
Which deductions are allowed in the old regime?
Common ones include 80C investments up to ₹1.5 lakh, 80D health insurance, HRA exemption, home loan interest, NPS contributions and the standard deduction for salaried people. Tick the box in the calculator to add your old-regime deductions and compare. Keep proofs for every claim. Keep proofs.
Is anything I enter stored?
No. The calculation runs in your browser, so your income and deductions aren't sent anywhere or stored. You can try different scenarios privately, such as a raise or a new home loan, without creating an account. Nothing is stored after you close the page. No account needed.
Can salaried people switch regimes every year?
Generally yes, salaried individuals without business income can choose the regime each year when filing their return. People with business income have more restrictions on switching back and forth. Check your situation with your CA. Compare both regimes each April before declaring to your employer.
Does the calculator include cess?
Yes, the estimate includes the 4% health and education cess on income tax. Surcharge applies at higher incomes, but marginal relief above ₹50 lakh isn't modelled, so high earners should treat the result as approximate and confirm with a CA. Most people won't notice. Check high incomes.
How do I use it for a salary negotiation?
Enter your current salary and the offered salary to see how much more tax you'd pay under each regime. Combined with the salary hike calculator, it shows what a raise really means for your take-home pay after tax. Net figures are what you actually take home.
Is the standard deduction the same in both regimes?
No. For FY 2025-26, salaried people get ₹75,000 under the new regime and ₹50,000 under the old regime. The calculator applies the right amount for each regime when you enter salary income. That difference alone can change which regime works out cheaper for you. It's applied automatically.
Does it work for business owners?
It gives a rough idea for individuals, but business income has its own rules, such as presumptive taxation and allowable expenses, which aren't modelled. Use it for a first estimate, then discuss your accounts with your CA. Your CA can then fill in the details.
Does it work on a phone?
Yes. Enter your income and deductions on your phone and compare both regimes instantly. It's useful when your employer asks which regime you want for the year's TDS. No app is needed, nothing you enter is uploaded, and results update as you type. Both regimes show together.
Is it free?
Yes. The income tax calculator is free, with no sign-up and no limit. It's an estimate for planning, not tax advice; please check with your CA before filing your return or making decisions based on it. Nothing you enter is stored. There's no limit on how many scenarios you compare.
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