INCOME TAX CALCULATOR — NEW vs OLD REGIME FY 2025-26 (AY 2026-27) | 100% PRIVATE
100% Private: Salary details browser me hi calculate hoti hain — kahin save nahi hoti.
INCOME DETAILS (FY 2025-26)
Basic + HRA + special allowance + bonus — sab mila kar (before PF deduction).
DEDUCTIONS (sirf OLD regime me milte hain)
NEW REGIME
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OLD REGIME
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| Breakup | New Regime | Old Regime |
|---|---|---|
| Gross income | — | — |
| Standard deduction | — | — |
| Other deductions | — | — |
| Taxable income | — | — |
| Slab tax | — | — |
| Rebate 87A | — | — |
| Surcharge | — | — |
| Cess 4% | — | — |
| TOTAL TAX | — | — |
Marginal relief (12L ke paas) aur surcharge marginal relief included. Education cess 4% dono me. Ye estimate hai — actual tax aur payroll deductions se thoda differ kar sakta hai.
NEW vs OLD REGIME — COMPLETE GUIDE (FY 2025-26)
Income Tax Calculator Kya Hai?
Income Tax Calculator ek free tool hai jo aapke FY 2025-26 (AY 2026-27) ka tax dono regimes me calculate karke compare karta hai — New Regime (wide slabs, ₹75K standard deduction, ₹12L tak tax-free) vs Old Regime (80C/80D/HRA deductions ke saath). Gross salary aur apne deductions daalo — turant pata chalega kaunsa regime aapko bachayega aur kitna. Surcharge, cess, 87A rebate aur marginal relief — sab included.
New Regime Slabs (FY 2025-26) — ₹12L Tak Zero
| Income (₹) | Rate |
|---|---|
| 0 – 4,00,000 | 0% |
| 4,00,001 – 8,00,000 | 5% |
| 8,00,001 – 12,00,000 | 10% |
| 12,00,001 – 16,00,000 | 15% |
| 16,00,001 – 20,00,000 | 20% |
| 20,00,001 – 24,00,000 | 25% |
| 24,00,000+ | 30% |
Salaried ke liye ₹75,000 standard deduction — matlab ₹12.75 lakh gross salary tak zero tax (87A rebate se). Uske thoda upar bhi marginal relief hai: 12L cross karne par tax kabhi bhi cross-amount se zyada nahi hoga. Example: ₹13L taxable pe raw slab tax ₹75,000 hota, par marginal relief ise ₹10,000 tak limit kar deta hai (sirf ₹1L ka excess × effective rate logic) — transition zone me faayda phir bhi bachta hai.
Old Regime Slabs + Deductions
- Slabs: 0-2.5L nil (senior 3L, super-senior 5L), 2.5-5L 5%, 5-10L 20%, 10L+ 30%. Standard deduction ₹50,000.
- Popular deductions: 80C (₹1.5L — EPF/PPF/ELSS/LIC/tuition), 80D (health insurance ₹25K, senior parents ₹50K), HRA (rent payers), 24b (home loan interest ₹2L), 80CCD(1B) (NPS ₹50K), LTA, 80G donations.
- Rebate 87A: Taxable ₹5L tak — ₹12,500 tak rebate (zero tax).
Kaunsa Regime Kab Jeetta Hai — Simple Tests
| Aapki Situation | Better Regime | Kyun |
|---|---|---|
| Salary ₹12.75L tak, kam deductions | NEW | Poora tax hi zero ho jata hai |
| Salary ₹15-20L, deductions ₹4L se kam | NEW | Wide slabs ka fayda deductions se zyada |
| Rent (metro) + 80C + home loan — deductions ₹5L+ | OLD | Bade deductions taxable income bahar dhakel dete hain |
| Senior citizen, pension + interest income | Depends | Old me 3L exemption, new me ₹12L tak zero — dono check karo |
| Bahut zyada income (₹50L+) | NEW mostly | Surcharge cap 25% (old me 37% tak jata hai) |
Rule of thumb: d ₹4.25 lakh se zyada ka total deduction ho to OLD regime dekho — warna new regime usually jeetta hai. Ye break-even point salary level ke saath shift hota hai, isliye apne exact numbers pe dono calculate karna hi best hai.
Tax Planning Ke 8 Practical Tips (FY 2025-26)
- Job offer pe regime choose karne ki flexibility milti hai — pehle is calculator se compare karo.
- PF automatic 80C me jata hai — remaining 80C space ELSS (3-yr lock, market-linked) ya PPF (7%+ tax-free) se bharo — agar old regime me ho.
- Health insurance 80D ke liye sirf proof-eligible policy — cash payment count nahi hota (premium online/bank se).
- Home loan ho to old regime me 24b ka ₹2L interest — par new regime me ye nahi milta, ye sabse bada trade-off hai.
- NPS 80CCD(1B) ka extra ₹50K sirf old regime me — new me sirf employer NPS (80CCD(2)) milta hai.
- March me December se pehle proofs submit karo — HR deadline miss mat karo.
- Form 16 aur AIS reconcile karo — mismatch pe notice aata hai.
- Old regime me ho to 80C + 80D + 24b + NPS ka total tracking ek spreadsheet me rakho — March ki emergency nahi hogi.
Disclaimer
Ye calculator standard slabs, 87A rebate, surcharge aur marginal relief ke simplified implementation ke saath estimate deta hai. Special incomes (capital gains, lottery, business), NRI status, employer-specific structures, aur mid-year regime switches ke cases me actual tax alag ho sakta hai. Filing se pehle CA ya income tax portal ke official calculator se final verify karo.
Frequently Asked Questions (FAQ)
For FY 2025-26, the new regime suits most salaried people who do not claim large deductions. If your total deductions (80C + 80D + HRA + home loan interest + NPS etc.) are below roughly ₹4-4.5 lakh per year, the new regime almost always wins because of its wider slabs, ₹75,000 standard deduction and tax-free income up to ₹12 lakh (with 87A rebate). The old regime wins mainly when deductions are heavy — rent in a metro plus 80C plus home loan interest can push old-regime taxable income far below the new-regime equivalent. This tool computes both and shows you the exact difference for YOUR numbers.
Yes, for resident individuals in FY 2025-26 — via the Section 87A rebate. Slab tax on income up to ₹12 lakh (after ₹75,000 standard deduction for salaries, i.e. gross ₹12.75 lakh) computes to ₹60,000, and the rebate wipes it out completely. Just above ₹12 lakh, marginal relief protects you: your tax can never exceed the amount by which your income crosses the rebate threshold. Note this rebate applies to resident individuals — not to NRIs or special incomes like short-term capital gains on shares.
Very few: the ₹75,000 standard deduction for salaried employees, employer NPS contribution under 80CCD(2) (up to 14% of basic), and a handful of others like Agniveer fund. Most popular deductions are NOT available — no 80C (PF/ELSS/LIC), no 80D health insurance, no HRA, no home-loan interest (24b), no LTA. That is exactly the trade-off: simpler slabs and lower rates, but almost no deductions.
The full list: 80C up to ₹1.5 lakh (EPF, PPF, ELSS, LIC, tuition fees, home-loan principal), 80D health insurance (₹25,000 self/family, ₹50,000 for senior parents), Section 24b home-loan interest up to ₹2 lakh, HRA exemption for rent-payers, 80CCD(1B) NPS extra ₹50,000, LTA, 80G donations and more. The old regime rewards people who actively plan taxes — but requires paperwork and proofs.
Yes — in the OLD regime: 60-80 years get a ₹3 lakh basic exemption (vs ₹2.5 lakh) and 80+ super seniors get ₹5 lakh. In the NEW regime, age makes no difference — everyone gets the same slabs (0-4L nil, up to ₹12L effectively nil with rebate). Pension income gets the ₹50,000 standard deduction in the old regime too; salaried/pensioners get ₹75,000 under the new regime.
No. The calculator runs entirely in your browser with JavaScript — your income and deduction details never leave your device, nothing is saved or logged. You can disconnect the internet after the page loads and it keeps working.
Health & Education Cess is 4% on your total tax — everyone pays it. Surcharge applies at higher incomes: 10% above ₹50 lakh, 15% above ₹1 crore, 25% above ₹2 crore, and 37% above ₹5 crore (old regime only — new regime caps at 25%). One relief: with marginal relief on surcharge, people crossing these thresholds don't pay more tax than the amount by which they exceeded the limit. This tool includes both cess and surcharge in calculations.
This tool is designed for salaried/pension income — the most common case. Business income, capital gains (equity LTCG/STCG have special rates), lottery winnings (flat 30%), and foreign income have different rules this simplified calculator does not model. For those cases, use this tool for your salary portion and consult a CA for the full return — the regime comparison logic (new vs old) still holds.
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