What are the new regime tax slabs for FY 2025-26?

Up to ₹4 lakh: nil; ₹4–8 lakh: 5%; ₹8–12 lakh: 10%; ₹12–16 lakh: 15%; ₹16–20 lakh: 20%; ₹20–24 lakh: 25%; above ₹24 lakh: 30%. Health & education cess of 4% applies on top.

Is income up to ₹12 lakh tax-free in the new regime?

Yes for resident individuals with normal-rate income: the Section 87A rebate of up to ₹60,000 makes tax nil when taxable income is ₹12 lakh or less. For salaried people the ₹75,000 standard deduction means a salary of up to ₹12.75 lakh pays no tax. Marginal relief applies just above ₹12 lakh.

What are the old regime slabs?

Below 60: up to ₹2.5 lakh nil, ₹2.5–5 lakh 5%, ₹5–10 lakh 20%, above ₹10 lakh 30%. The basic exemption is ₹3 lakh for ages 60–79 and ₹5 lakh for 80+. A rebate of up to ₹12,500 applies when taxable income is ₹5 lakh or less.

Which deductions are allowed in the new regime?

For salaried individuals mainly the ₹75,000 standard deduction (and employer NPS contribution under 80CCD(2), not modelled here). Deductions like 80C, 80D, HRA and home-loan interest on a self-occupied house are only available in the old regime.

How is surcharge calculated?

Surcharge is 10% above ₹50 lakh, 15% above ₹1 crore, 25% above ₹2 crore and 37% above ₹5 crore (the new regime is capped at 25%), with marginal relief at each threshold. Cess of 4% is charged on tax plus surcharge.

Is this calculator accurate for filing my return?

It is an estimate for planning. It does not cover capital gains, special-rate income or every exemption. Verify with the Income Tax Department's official tools or a tax professional before filing.

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Income Tax Calculator (FY 2025-26)

Calculate your Indian income tax for FY 2025-26 (AY 2026-27) under both the new and old regimes. Includes the ₹75,000 standard deduction, Section 87A rebate (zero tax up to ₹12 lakh taxable income), 80C, 80D, HRA, home-loan interest, surcharge and 4% cess — with a side-by-side comparison.