Income Tax Calculator

Compare Old vs New Tax Regime for FY 2025-26. Enter your income and deductions to see which regime saves you more money.

Income Sources

Gross Salary

₹10.00 Lac

Interest Income

Other Income

Digital Assets (Crypto)

Taxed flat @ 30%. No slab benefit.

House Property

Interest (Self Occupied)

Rent Received

Interest (Let Out)

Deductions

NPS Employer (80CCD(2))

Valid for both Old & New regimes.

Old Regime Only

Section 80C

NPS Self (80CCD 1B)

HRA Exemption

Section 80D (Medical)

Recommended: New Regime

You save ₹1,06,600

New Regime saves ₹1,06,600 due to lower slab rates and Section 87A rebate up to ₹12L.

Old Regime

Gross Total Income₹10,00,000

Deductions-₹50,000

Taxable Income₹9,50,000

Tax + Cess

₹1,06,600

~₹8,883/mo

New Regime

Winner

Gross Total Income₹10,00,000

Deductions-₹75,000

Taxable Income₹9,25,000

Tax + Cess

₹0

Tax Slab Breakdown

Old Regime

0.0L-2.5L @ 0%₹0

2.5L-5.0L @ 5%₹12,500

5.0L-10.0L @ 20%₹90,000

New Regime

0.0L-4.0L @ 0%₹0

4.0L-8.0L @ 5%₹20,000

8.0L-12.0L @ 10%₹12,500

Old Tax Regime

✓Allows HRA, LTA exemptions
✓Deductions under 80C (₹1.5L), 80D, 80CCD(1B)
✓Standard deduction: ₹50,000
✓Rebate under 87A if income ≤ ₹5L
✓Best for those with heavy investments/deductions

New Tax Regime

✓Lower tax slabs (more 0%, 5%, 10% brackets)
✓No exemptions allowed (HRA, LTA)
✓Only standard deduction: ₹50,000
✓Higher rebate limit: ₹7L (vs ₹5L in old)
✓Best for those without deductions/investments

Disclaimer: This calculator is for informational purposes only. Actual tax liability may vary based on additional factors. Please consult a tax professional for personalized advice.