Compare the New vs Old regime for FY 2025-26 & 2026-27, itemise your deductions, apply rebate, surcharge & cess, and see your net payable or refund — 100% in your browser.
More free, non-AI, browser-based calculators for tax and money planning.
The Income Tax Calculator (India) is a fast, private, browser-based tool that estimates your income tax and — crucially — tells you which of India's two tax regimes actually saves you more money. Since the tax reforms, every individual taxpayer has to choose between the New Regime (lower headline rates but almost no deductions) and the Old Regime (higher rates but generous deductions for 80C investments, health insurance, HRA and home-loan interest). Which one is cheaper is genuinely not obvious from the rate tables alone: the answer flips depending on how much you can legitimately claim in deductions, and the only reliable way to know is to compute both, for your exact income, side by side. That is precisely what this calculator does — instantly, with a clear verdict, and without any of your numbers ever leaving your device.
You start by choosing the financial year (FY 2025-26 or FY 2026-27) and your age group, since the Old Regime gives a higher basic-exemption limit to senior (60–80) and super-senior (80+) citizens. You enter your gross annual income — the total of salary and every other head such as interest, rental and other income — and tick whether you are salaried or a pensioner, which unlocks the standard deduction (₹75,000 in the New Regime, ₹50,000 in the Old Regime). Then, for the Old Regime, you itemise your deductions: Section 80C (PPF, ELSS, EPF, LIC, principal repayment, tuition, NSC, Sukanya, tax-saver FD — capped at ₹1.5 lakh), 80CCD(1B) for the extra ₹50,000 NPS, 80D health insurance, home-loan interest under Section 24(b), your HRA exemption, savings-interest under 80TTA/80TTB, and a combined field for 80E/80G/80EEB and any other deductions. Employer NPS under 80CCD(2) gets its own field because it is one of the few deductions allowed under both regimes.
From these inputs the calculator computes, for each regime, the taxable income, the tax across the correct slabs, the Section 87A rebate (which makes income up to ₹12 lakh effectively tax-free in the New Regime and up to ₹5 lakh in the Old Regime), the surcharge for higher incomes with marginal relief applied, and the 4% health & education cess. It then places the two regimes in side-by-side cards, marks the cheaper one as Better, and shows you exactly how much tax you save by choosing it and the percentage difference. If you enter the TDS already deducted and any advance or self-assessment tax paid, it also works out your net tax payable or refund, plus a handy monthly and quarterly split for planning cash flow.
Because tax is easier to trust when you can see the working, every result is fully transparent. A live formula panel shows the slab and rebate logic for the winning regime, and a numbered step-by-step breakdown walks through taxable income, tax, rebate, surcharge, cess and total using your actual figures. A simple comparison chart shows the two regimes as proportional bars so the gap is obvious at a glance, and a detailed breakdown table lists every component. One-click copy buttons put the tax figure or a full plain-text summary on your clipboard, a share button uses your device's native share sheet, and the full export panel saves your calculation as a PDF, PNG image, CSV or Excel spreadsheet, or structured JSON — ideal for records, for your accountant, or for comparing scenarios.
The tool also keeps a local history of your recent calculations in your browser so you can revisit, compare and reuse them, download the whole log as CSV or JSON, or clear it in one click. Built-in reference material — a full tax-slab table for both regimes, the exact formulas, and worked examples — helps you sanity-check the numbers and understand how they are reached. Everything runs as JavaScript on your own machine, so the calculator is fast, works offline once loaded, and is completely private: your income, deductions and results are never uploaded to any server, there is no sign-up, and nothing is tracked against you.
Who is it for? Salaried employees deciding which regime to declare to their employer; freelancers and consultants estimating advance tax; small-business owners and professionals planning their liability; retirees checking senior-citizen benefits; and anyone doing year-end tax planning who wants to know, before committing, whether topping up 80C or claiming HRA is actually worth it. Whether you want a five-second regime comparison or a fully itemised, exportable tax estimate, this calculator is designed to be accurate for the common cases, clear about its assumptions, and effortless to use.
यह Income Tax Calculator (India) एक तेज़, निजी और पूरी तरह ब्राउज़र में चलने वाला टूल है जो आपके income tax का अनुमान लगाता है और — सबसे ज़रूरी — यह बताता है कि भारत के दो regimes में से कौन-सा आपके लिए ज़्यादा पैसा बचाता है। tax सुधारों के बाद, हर individual taxpayer को New Regime (कम rates पर लगभग कोई deduction नहीं) और Old Regime (ज़्यादा rates पर 80C, health insurance, HRA और home-loan interest जैसे उदार deductions) में से चुनना होता है। सिर्फ़ rate tables देखकर यह कहना मुश्किल है कि कौन-सा सस्ता है, क्योंकि जवाब इस पर निर्भर करता है कि आप कितने deductions claim कर सकते हैं — और यह जानने का इकलौता भरोसेमंद तरीका है कि अपनी सटीक income पर दोनों की गणना साथ-साथ करें। यही यह calculator तुरंत करता है, एक साफ़ फ़ैसले के साथ, और आपके कोई भी आँकड़े कभी आपके device से बाहर नहीं जाते।
आप पहले financial year (FY 2025-26 या FY 2026-27) और अपना age group चुनते हैं, क्योंकि Old Regime senior (60–80) और super-senior (80+) नागरिकों को ज़्यादा basic-exemption सीमा देता है। आप अपनी gross annual income — salary और interest, rental तथा बाकी सभी income का योग — डालते हैं और बताते हैं कि आप salaried/pensioner हैं, जिससे standard deduction (New Regime में ₹75,000, Old Regime में ₹50,000) मिलता है। फिर Old Regime के लिए आप अपने deductions itemise करते हैं: 80C (PPF, ELSS, EPF, LIC, principal, tuition, NSC, Sukanya, tax-saver FD — अधिकतम ₹1.5 लाख), अतिरिक्त ₹50,000 NPS के लिए 80CCD(1B), 80D health insurance, Section 24(b) home-loan interest, आपका HRA exemption, 80TTA/80TTB savings-interest, और 80E/80G/80EEB व बाकी के लिए एक संयुक्त field। Employer NPS 80CCD(2) का अलग field है क्योंकि यह दोनों regimes में मिलने वाले कुछ deductions में से एक है।
इन inputs से calculator हर regime के लिए taxable income, सही slabs पर tax, Section 87A rebate (जो New Regime में ₹12 लाख तक और Old Regime में ₹5 लाख तक income को असल में tax-free बना देता है), ऊँची income पर surcharge के साथ marginal relief, और 4% health & education cess निकालता है। फिर यह दोनों regimes को साथ-साथ cards में दिखाता है, सस्ते वाले को Better के रूप में चिह्नित करता है, और बताता है कि उसे चुनने से आप कितना tax बचाते हैं और अंतर कितने प्रतिशत का है। यदि आप कटा हुआ TDS और चुकाया गया advance/self-assessment tax डालते हैं, तो यह आपका net देय या refund भी निकालता है, साथ ही cash flow के लिए एक आसान मासिक और तिमाही विभाजन।
चूँकि working दिखने पर tax पर भरोसा आसान होता है, हर परिणाम पूरी तरह पारदर्शी है। एक live formula panel जीतने वाले regime का slab और rebate तर्क दिखाता है, और एक क्रमांकित step-by-step breakdown आपके असली आँकड़ों से taxable income, tax, rebate, surcharge, cess और total समझाता है। एक सरल comparison chart दोनों regimes को आनुपातिक bars के रूप में दिखाता है ताकि अंतर एक नज़र में साफ़ हो, और एक विस्तृत breakdown table हर घटक सूचीबद्ध करता है। एक-क्लिक copy buttons tax या पूरा summary clipboard पर डालते हैं, एक share बटन आपके device का native share इस्तेमाल करता है, और पूरा export panel आपकी गणना को PDF, PNG, CSV/Excel या JSON में सहेजता है।
टूल आपके काम को याद भी रखता है — एक local history आपकी हाल की गणनाओं को browser में सहेजती है ताकि आप उन्हें दोबारा देख, तुलना और पुनः उपयोग कर सकें, पूरी log को CSV/JSON में download कर सकें, या एक क्लिक में मिटा सकें। built-in reference — दोनों regimes की पूरी slab table, सटीक formulas, और हल किए हुए examples — आँकड़े जाँचने में मदद करते हैं। सब कुछ आपके अपने device पर JavaScript में चलता है, इसलिए टूल तेज़ है, एक बार load होने पर offline काम करता है, और पूरी तरह निजी है: आपकी income, deductions और परिणाम कभी किसी server पर upload नहीं होते, कोई sign-up नहीं, और कुछ भी track नहीं होता।
यह किसके लिए है? यह तय करते salaried कर्मचारी कि employer को कौन-सा regime बताएँ; advance tax का अनुमान लगाते freelancers और consultants; अपनी liability की योजना बनाते छोटे व्यवसायी और professionals; senior-citizen लाभ जाँचते retirees; और साल के अंत में tax planning करते वे सभी जो जानना चाहते हैं कि 80C भरना या HRA claim करना सचमुच फ़ायदेमंद है या नहीं। चाहे आपको पाँच-सेकंड की regime तुलना चाहिए या पूरी तरह itemised, export करने योग्य tax अनुमान — यह calculator आम मामलों के लिए सटीक, अपनी मान्यताओं के बारे में स्पष्ट, और इस्तेमाल में आसान बनाया गया है।
Always confirm current slabs on the official portal — they are set each year in the Union Budget.
| New Regime slab | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
| Old Regime slab (below 60) | Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Old Regime exemption limit: ₹2.5L (below 60), ₹3L (senior 60–80), ₹5L (super senior 80+). Standard deduction: ₹75,000 (New), ₹50,000 (Old). Surcharge: 10% above ₹50L, 15% above ₹1cr, 25% above ₹2cr, 37% above ₹5cr (New Regime surcharge capped at 25%), with marginal relief. Cess: 4% on tax + surcharge.
This calculator is 100% client-side. Every figure you enter is processed by JavaScript in your own browser — nothing is sent to any server, there is no account, and your history is stored only in your browser's local storage on your device. Clear it anytime; once loaded, the tool keeps working with no internet connection.