Standard deduction
Income Tax Estimator
Calculate and compare tax liability with a cleaner planning flow
Fill annual income and deduction details once to compare old vs new regime, review slab references, and share results by email.
FY 2023-24 to 2026-27
Old vs New regime
Email + PDF report
Best for
Quick regime compare
Use case
Annual tax planning
Enter annual tax details
Use annual INR values. Keep blank fields as 0 if not applicable.
Before you calculate
- Use gross annual numbers for salary and other income heads.
- Typical caps: Section 80C up to Rs 1,50,000 and Section 80D up to Rs 50,000.
- Home loan interest limits are auto-adjusted by current rules in this tool.
Income tax slabs for FY 2025-26
New Regime
| Income Slab | Tax Rate |
|---|---|
| Up to Rs 4,00,000 | Nil |
| Rs 4,00,001 - Rs 8,00,000 | 5% |
| Rs 8,00,001 - Rs 12,00,000 | 10% |
| Rs 12,00,001 - Rs 16,00,000 | 15% |
| Rs 16,00,001 - Rs 20,00,000 | 20% |
| Rs 20,00,001 - Rs 24,00,000 | 25% |
| Above Rs 24,00,000 | 30% |
Old Regime
| Income Slab | Age < 60 | Age 60-80 | Age > 80 |
|---|---|---|---|
| Up to Rs 2,50,000 | Nil | Nil | Nil |
| Rs 2,50,001 - Rs 3,00,000 | 5% | Nil | Nil |
| Rs 3,00,001 - Rs 5,00,000 | 5% | 5% | Nil |
| Rs 5,00,001 - Rs 10,00,000 | 20% | 20% | 20% |
| Above Rs 10,00,000 | 30% | 30% | 30% |
Income tax regime comparison guide
This page is designed to compare old and new regime outcomes using one annual input set. Enter gross income and the deduction fields available in the form, then read the tax payable, effective rate, and suggested regime together instead of looking at a single number in isolation.
The comparison is most useful when you are deciding whether exemptions such as HRA and deductions like 80C, 80D, 80E, 80CCD, and 80G are large enough to offset the lower-rate structure of the new regime. Running two or three scenarios with realistic deduction values usually gives a better answer than relying on one quick estimate.
Start with annual figures
Use yearly salary and other income amounts from Form 16, payslips, and supporting records. If you enter monthly values in any field, the side-by-side regime comparison will be distorted.
Focus on deduction-sensitive cases
The old regime tends to stay competitive when HRA exemption and chapter VI-A deductions are meaningful. This page helps you test how much those fields actually move taxable income instead of assuming the old regime is better.
Read the recommendation carefully
The suggested regime reflects the current inputs only. A bonus, capital gain, rent change, or deduction proof mismatch can flip the result, so re-run the calculator whenever your annual numbers change.
Does this calculator compare old and new regime side by side?
Yes. It uses one annual input set and shows the estimated taxable income and tax payable under both regimes so you can compare them directly.
Which deductions on this page matter mainly for the old regime decision?
HRA exemption and deductions such as 80C, 80D, 80E, 80CCD, and 80G usually matter most because they can reduce taxable income more meaningfully under the old regime.
Should I enter salary and deductions as monthly or annual values?
Enter annual values. This page compares full-year tax outcomes, so salary, other income, and all deductions should be converted to yearly totals before submission.
Why can the new regime look better even when I have some deductions?
The new regime may still win when the lower slab structure saves more tax than your eligible deductions and exemptions reduce under the old regime.
Can I use this page to test alternate deduction scenarios quickly?
Yes. Re-run the calculator after changing HRA or deduction values to see how the suggested regime and tax gap change across scenarios.
Are these values final filing amounts?
No. They are planning estimates based on the values entered and should be checked against your final proofs, return data, and filing-year rules.