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Income Tax Calculator

Old Regime vs New Regime
FY 2025–26 (AY 2026–27)

Your Details FY 2025–26
⚖️
Compare Both Regimes
See which saves you more
Old Regime Deductions
⚠️ Disclaimer: For indicative purposes only. Actual tax liability may vary. Consult a CA for accurate tax planning and filing.
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How it works
Fill in the left panel — results appear here instantly
1Enter your gross annual salary / income
2Add deductions (80C, 80D, HRA…) for Old Regime
3See tax, slab breakup & regime comparison
FY 2025-26 Tax Slabs — Quick Reference
🟢 New Regime
Up to ₹4,00,000Nil
₹4L – ₹8L5%
₹8L – ₹12L10%
₹12L – ₹16L15%
₹16L – ₹20L20%
₹20L – ₹24L25%
Above ₹24L30%
Zero tax up to ₹12L via Rebate 87A
Std. deduction ₹75,000 for salaried
🔵 Old Regime
Up to ₹2,50,000Nil
₹2.5L – ₹5L5%
₹5L – ₹10L20%
Above ₹10L30%
Zero tax up to ₹5L via Rebate 87A
Deductions: 80C, 80D, HRA, NPS…
💡 Key Deductions — Old Regime Only
Sec 80CPPF, ELSS, LIC, PF₹1,50,000
Sec 80DHealth insurance₹25k–50k
Sec 24bHome loan interest₹2,00,000
80CCD(1B)NPS contribution₹50,000
HRAHouse rent allowanceCalculated
Std. Ded.Auto for salaried₹50,000
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New Regime (FY 2025-26)

Zero tax up to ₹12 lakh income. Salaried individuals get ₹75,000 standard deduction, making the effective exemption ₹12.75 lakh. Simplified slabs, no deductions required.

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Old Regime — Key Deductions

Claim 80C (₹1.5L), 80D health insurance, HRA exemption, home loan interest (₹2L), NPS 80CCD(1B) (₹50K), and 70+ other exemptions to reduce taxable income.

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Which Regime is Better?

New Regime suits most taxpayers with income under ₹15L and low investments. Old Regime is better when total deductions exceed ₹3.75L (for ₹15L income bracket).

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