Income Tax Calculator

Compare the old and new tax regimes for FY 2025-26 (AY 2026-27). Estimates only — not tax advice.

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FY 2025-26

Gross annual income (₹)

Deductions — old regime only (₹)

80C, 80D, home loan interest, etc. Ignored in the new regime.

New Regime

Lower tax

Taxable income: ₹14,25,000
Tax before cess: ₹93,750
Health & edu cess (4%): ₹3,750
Total tax: ₹97,500
Effective rate: 6.50%

Old Regime

Taxable income: ₹13,00,000
Tax before cess: ₹2,02,500
Health & edu cess (4%): ₹8,100
Total tax: ₹2,10,600
Effective rate: 14.04%

The New Regime saves you ₹1,13,100 this year.

New regime: ₹75,000 standard deduction, no tax up to ₹12L taxable (Section 87A). Old regime: ₹50,000 standard deduction + your deductions, no tax up to ₹5L taxable. Surcharge for very high incomes is not included. This is an estimate — consult a CA before filing.