Estimate tax under old or new regime for FY 2025-26 (AY 2026-27)
New regime: standard deduction of ₹75,000 applies. Section 80C, 80D, HRA, and most other deductions are not available.
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Works out income tax on your gross annual salary for FY 2025-26. Pick old or new regime, enter deductions where they apply, and it applies the current slabs, rebate under section 87A, surcharge, and 4% health and education cess.
Taxable income = gross income minus standard deduction minus any deductions you enter (old regime only). Tax is computed slab-wise, then rebate and marginal relief are applied where relevant.
Example at ₹12 lakh gross: new regime → taxable ₹11.25 lakh after ₹75,000 standard deduction, rebate wipes tax to nil. Old regime with ₹1.5 lakh under 80C → taxable ₹10 lakh, tax about ₹1,17,000 including cess.
New regime has lower slabs but fewer breaks — no 80C, 80D, or HRA. Old regime keeps those deductions but tax rates are steeper at higher incomes. Salaried taxpayers must choose one regime each year; the choice can be changed when filing the return.
₹75,000 for new regime and ₹50,000 for old regime — applied automatically on salary income. No documents needed. This replaced the earlier ₹50,000 limit for both regimes in Budget 2025.
Run both regimes with your actual 80C, 80D, and HRA numbers before deciding. This tool covers salary income only — capital gains, house property, and business income need separate treatment. TDS already deducted by your employer is not shown here.
New regime
Old regime
Deductions under 80C (max ₹1.5 lakh), 80D, HRA, and others reduce taxable income in the old regime. Enter them in the form above.
Disclaimer: Figures are estimates for salary income only. Actual tax depends on your full return, Form 16, and any income beyond salary.
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