Income Tax Calculator

Annual gross income (before deductions)

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Section 80C investments (PPF, ELSS, insurance…) — old regime only, max ₹1.5L

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Health insurance premium (80D) — old regime only

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Home loan interest (Sec 24) — old regime only, max ₹2L

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Other deductions (HRA, 80CCD, etc.) — old regime only

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	New Regime	Old Regime
Taxable income	₹0	₹0
Tax + cess	₹0	₹0
Take-home impact	₹0	₹0

Enter your details to compare.

Uses FY 2025-26 (AY 2026-27) slabs. New regime: nil up to ₹4L, then 5/10/15/20/25/30%, ₹75,000 standard deduction, full rebate up to ₹12L taxable income (with marginal relief just above). Old regime: nil up to ₹2.5L, then 5/20/30%, ₹50,000 standard deduction, rebate up to ₹5L. Both include 4% cess. This is an estimate — surcharge for very high incomes and specific exemptions aren't fully modelled; confirm with a tax professional for filing.

How this works

side-by-side New vs Old regime comparison with 80C/80D/home loan/other deduction inputs, tells you which regime wins and by how much (includes correct marginal relief just above ₹12L)

This calculator gives an illustrative estimate only and is not financial, tax, or investment advice. Actual figures may vary based on your lender, fund, or applicable rules. Please verify with a licensed advisor before making a decision.