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Income tax calculator (old vs new regime)

India income tax for FY 2025-26 and 2026-27 under both regimes, side by side, with the better one and a breakeven hint.

  1. 1Fill in the values
  2. 2Click Run
  3. 3See results instantly

Limits

  • Rates as of 2026-10-22; check the Income Tax Department's current rules.
  • Resident individuals only. Slabs, the 87A rebate, surcharge (with marginal relief) and 4% cess are encoded; capital gains and other special-rate income are not modelled, and the 87A rebate does not apply to them.
  • Amounts are rounded to the nearest rupee. The tax department rounds taxable income and tax to the nearest ₹10 when it assesses, so a payslip or return can differ from this by up to ₹10 per figure. An estimate for planning, not tax advice or a filed return.
  • LTA, perquisites, arrears relief and the family-pension deduction are not modelled. Employer PF, NPS and superannuation above ₹7,50,000 a year is a taxable perquisite: shown as a warning only.
  • The 50% HRA limit applies to Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad.

Ask the AI chat

The AI chat can run this tool for you. Try:

  • “income tax on 12 lakh salary”
  • “old regime vs new regime for 20 lakh”
  • “tax on 15 lakh income for 2025-26”

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