Income tax calculator: old vs new regime

Enter your annual salary, other income and deductions to compare estimated tax under the new and old regimes, including 4% cess and the section 87A rebate.

Your details (per year)

Gross salaryOther income interest, rentAge

Old regime deductions

Section 80C max ₹1.5 lakhHealth insurance (80D)HRA exemptionHome loan interest max ₹2 lakhOther deductions

New regime

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Old regime

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Surcharge applies above ₹50 lakh and is not included here. Call us for an exact figure.

How this calculator works

It uses the slab rates announced for FY 2025-26. The new regime allows a standard deduction of ₹75,000 on salary, and a rebate makes tax nil up to ₹12 lakh of taxable income, with marginal relief just above it. The old regime allows a ₹50,000 standard deduction and the deductions you enter, with a rebate up to ₹5 lakh of taxable income.

Special-rate income such as capital gains is not handled here.
Surcharge for income above ₹50 lakh is not included.
HRA and home loan interest are allowed only under the old regime.

For the full picture, see our income tax planning and ITR filing services, or read Old vs New tax regime.

Results are estimates based on your inputs and simplified assumptions. Information is for general guidance and not a substitute for professional advice. Rules, rates and due dates change; confirm with us before acting.

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