Income Tax Calculator

India-specific income tax comparison for the old and new regime. Use this when you need Indian salary and tax-rule context.

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Net monthly salary after all taxes and cess
Winning Regime
Actionable Suggestions
New regime (AY 2026-27): Lower slab rates, standard deduction for salaried taxpayers, and Section 87A rebate relief up to taxable income of ₹12L under the current rules.
Old regime: Higher slab rates but allows HRA, 80C, 80D, home-loan, and other deductions. It becomes more competitive when your deductions are materially higher.
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Tax Breakdown by Slab

New tax regime — AY 2026-27 slabs

For AY 2026-27 (FY 2025-26), the new regime uses these slabs after the salaried standard deduction: 0% up to ₹4L, 5% from ₹4L-8L, 10% from ₹8L-12L, 15% from ₹12L-16L, 20% from ₹16L-20L, 25% from ₹20L-24L, and 30% above ₹24L. Section 87A rebate relief can reduce tax to zero when taxable income is up to ₹12L under the new regime.

Old tax regime — slabs and deductions

The old regime keeps the familiar slabs: 0% up to ₹2.5L, 5% on ₹2.5L-5L, 20% on ₹5L-10L, and 30% above ₹10L. It also allows deductions such as 80C, HRA, 80D, NPS under 80CCD(1B), home-loan interest, and the salaried standard deduction.

Which regime saves more tax?

Many salaried taxpayers now see the new regime win by default, especially when deductions are light. The old regime still starts to matter when HRA, 80C, 80D, NPS, or home-loan benefits stack up meaningfully. Run both paths in the calculator above with your own salary and deductions before deciding.