India Income Tax Calculator (Old vs New Regime)
India, FY 2026/27 · figures follow that year's rules
India Income Tax Calculator (Old vs New Regime) works out Total tax payable and Total (taxable) income from Financial year, Regime and Income from salary or pension. The default figures on this page give total tax payable of 97,500 INR; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
10 steps
- Gross income = salary 1500000 + other 0 = 1500000
- New (default) regime (section 202, Income-tax Act 2025): standard deduction 75000 (chapter VI-A deductions are not available) give total income 1425000
- 0% on 400000 (0 to 400000) = 0
- 5% on 400000 (400000 to 800000) = 20000
- 10% on 400000 (800000 to 1200000) = 40000
- 15% on 225000 (1200000 to 1600000) = 33750
- Income tax before rebate = 93750
- Health and education cess at 4% = 3750
- Total tax payable = 97500
- New regime 97500 versus old regime 257400: the new regime is cheaper by 159900.
Tax by slabtable
| slab | ratePercent | incomeInSlab | taxInSlab |
|---|---|---|---|
| 0 to 400000 | 0 | 400,000 | 0 |
| 400000 to 800000 | 5 | 400,000 | 20,000 |
| 800000 to 1200000 | 10 | 400,000 | 40,000 |
| 1200000 to 1600000 | 15 | 225,000 | 33,750 |
Its 9 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
7 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the India Income Tax Calculator (Old vs New Regime) calculates
Computes Indian individual income tax under both the old regime and the section 115BAC new regime, including the section 87A rebate with marginal relief, surcharge with marginal relief, and the 4% health and education cess.
How to use this India Income Tax Calculator (Old vs New Regime)
Enter Financial year, Regime, Income from salary or pension and Other taxable income. Total tax payable updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Total tax payable, Total (taxable) income and Income tax before rebate.
The method follows Income Tax Department, Salaried Individuals for AY 2026-27: slab rates under the old regime and section 115BAC, section 87A rebate, surcharge and cess, Income Tax Department, Tax rates: surcharge ladder for individuals (10% above Rs 50 lakh, 15% above Rs 1 crore, 25% above Rs 2 crore, 37% above Rs 5 crore, capped at 25% under section 115BAC) and health and education cess of 4%, Finance ACT 2025, section 115BAC(1A) slab rates for FY 2025-26 and the enhanced section 87A rebate of Rs 60,000 up to Rs 12,00,000 of total income, Ministry of Finance, Memorandum explaining the provisions of the Finance Bill 2026: default-regime slabs for tax year 2026-27 under section 202 of the Income-tax ACT 2025 ("no change proposed in tax rates"), old regime available on option and Union Budget 2026-27 speech, 1 February 2026: Income-tax ACT 2025 in force from 1 April 2026.
Salary of 12,75,000 in FY 2025-26 under the new regime is tax free example
With Financial year: 2025-26, Regime: new, Income from salary or pension: 1275000, the calculator returns Total (taxable) income: 1200000, Income tax before rebate: 60000, Section 87A rebate: 60000. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Total tax payable, Total (taxable) income and Income tax before rebate. The inputs you can vary are Financial year, Regime, Income from salary or pension, Other taxable income, Age on the last day of the financial year and Old-regime deductions (80C, 80D, HRA, 24(b) and so on).
Understanding Total tax payable, Total (taxable) income and Income tax before rebate
An estimate of tax on ordinary income. It does not model capital gains at special rates, presumptive taxation, TDS credits, relief under section 89 or the alternate minimum tax. Confirm with a chartered accountant or the Income Tax Department before filing.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How do I calculate my income tax in India?
Computes Indian individual income tax under both the old regime and the section 115BAC new regime, including the section 87A rebate with marginal relief, surcharge with marginal relief. Open “How this is worked out” beside the result to see each step for your own figures.
Is there a tax return calculator?
Computes Indian individual income tax under both the old regime and the section 115BAC new regime, including the section 87A rebate with marginal relief, surcharge with marginal relief. On the figures this page opens with — income from salary or pension 1,275,000 INR — the total tax payable is 97,500 INR. Put your own figures in their place and the working updates beside the result.
Where can I find an online income tax calculator?
It needs Financial year, Regime, Income from salary or pension, Other taxable income, Age on the last day of the financial year and Old-regime deductions (80C, 80D, HRA, 24(b) and so on). Nothing else is required, and the figures stay in your browser.
How do I calculate my tax?
The result gives Total tax payable, Total (taxable) income, Income tax before rebate, Section 87A rebate, Surcharge and Surcharge marginal relief, each labelled with its unit so the figure can be read on its own.
What information do I need for the India Income Tax Calculator (Old vs New Regime)?
You need Financial year, Regime, Income from salary or pension, Other taxable income, Age on the last day of the financial year, Old-regime deductions (80C, 80D, HRA, 24(b) and so on), Net agricultural income and TDS and advance tax already paid. The page opens with default figures that give total tax payable of 97,500 INR, so you can see the scale before entering your own.
What does this India Income Tax Calculator (Old vs New Regime) show?
It shows Total tax payable, Total (taxable) income, Income tax before rebate, Section 87A rebate, Surcharge, Surcharge marginal relief, Health and education cess (4%) and Balance payable (negative means refund), with the working and any warnings for your entries.