Income Tax Calculator
Tax & SalaryWork out income tax under either regime, slab by slab, for FY 2025-26.
Runs entirely in your browser — nothing is uploaded
Features
- Both regimes, with the correct slabs for FY 2025-26.
- Section 87A rebate, surcharge with marginal relief, and 4% cess.
- Slab-by-slab table showing exactly where the tax arises.
- Monthly TDS figure, so you can check your payslip.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Income Tax Calculator
- 1Pick the regime and enter your annual income.
- 2Add other income and, on the old regime, your deductions.
- 3Read the tax, the effective rate and the slab-by-slab breakdown.
Frequently asked questions
Which regime should I choose?
Whichever costs less, which depends entirely on the deductions you genuinely claim. The new regime has lower rates and a standard deduction of ₹75,000 but almost nothing else. The old regime allows 80C, 80D, HRA and home-loan interest but taxes at higher rates. The Old vs New tool shows the break-even level of deductions for your income.
Why is my tax zero on ₹12 lakh under the new regime?
The section 87A rebate. Under the new regime it wipes out the tax entirely up to ₹12 lakh of taxable income, and marginal relief softens the step just above it so a small raise cannot leave you worse off. Above that level tax applies on the slabs as normal.
How are the slabs applied?
Progressively — only the income inside each slab is taxed at that slab's rate. Moving into a higher bracket never reduces your take-home pay, because only the portion above the threshold is taxed at the higher rate.
What is the 4% cess?
Health and education cess, charged at 4% on the tax plus any surcharge. It applies under both regimes and to everyone, so the headline slab rate always understates the real cost slightly.
Does this include capital gains?
No. Capital gains are taxed at their own rates rather than at slab rates, and are calculated separately. Enter only income taxed at slab rates — salary, interest, rent, professional fees.