Income Tax Calculator: Old vs New Regime
Enter your income and deductions to see which regime works out cheaper for you, with a full slab-by-slab breakdown. Figures update as you type.
The new regime saves you ₹1,63,800 a year.
Based on FY 2025-26 (AY 2026-27) rules — used for returns filed in 2026. Verify the latest Union Budget for the current financial year.
Old regime
₹1,63,800
Effective rate 13.7% · Taxable ₹11,50,000
New regime
Lower tax₹0
Effective rate 0.0% · Taxable ₹11,25,000
Total tax compared
Old regime — slab breakdown
| Slab | Rate | Tax |
|---|---|---|
| Up to ₹2,50,000 | 0% | ₹0 |
| ₹2,50,000 – ₹5,00,000 | 5% | ₹12,500 |
| ₹5,00,000 – ₹10,00,000 | 20% | ₹1,00,000 |
| Above ₹10,00,000 | 30% | ₹45,000 |
- Taxable income
- ₹11,50,000
- Health & education cess (4%)
- ₹6,300
- Total tax
- ₹1,63,800
New regime — slab breakdown
| Slab | Rate | Tax |
|---|---|---|
| Up to ₹4,00,000 | 0% | ₹0 |
| ₹4,00,000 – ₹8,00,000 | 5% | ₹20,000 |
| ₹8,00,000 – ₹12,00,000 | 10% | ₹32,500 |
- Taxable income
- ₹11,25,000
- Less: Section 87A rebate / relief
- − ₹52,500
- Health & education cess (4%)
- ₹0
- Total tax
- ₹0
This is an estimate for salaried individuals and does not cover every deduction, surcharge, or special income type. Verify with a qualified tax professional before filing.