Salary Tax Calculator India – New vs Old Regime FY 2025–26
Use this Salary Tax Calculator to estimate your income tax under the new and old regimes for FY 2025–26 and compare which option saves more tax.
Enter Your Income Details
Deductions (Old Regime Only)
Tax Comparison
New Tax Regime
Old Tax Regime
Calculations based on FY 2025–26 slabs and a standard deduction of ₹50,000 in both regimes.
Tax Slabs FY 2025–26
New Regime
- Up to ₹3,00,000: 0%
- ₹3,00,001 – ₹6,00,000: 5%
- ₹6,00,001 – ₹9,00,000: 10%
- ₹9,00,001 – ₹12,00,000: 15%
- ₹12,00,001 – ₹15,00,000: 20%
- Above ₹15,00,000: 30%
Old Regime
- Up to ₹2,50,000: 0%
- ₹2,50,001 – ₹5,00,000: 5%
- ₹5,00,001 – ₹10,00,000: 20%
- Above ₹10,00,000: 30%
Rebate under section 87A available for eligible taxpayers as per current rules.
FAQs
Which regime is better for me?
The new regime suits people with fewer deductions. If you claim large HRA, 80C, 80D and other deductions, the old regime may reduce your tax more.
Can I change regimes every year?
Salaried individuals can choose the regime each financial year while filing their income tax return.
What is the standard deduction?
A flat ₹50,000 reduction from salary income available in both new and old regimes.
Does this include cess automatically?
Yes, the calculator adds 4% health and education cess on the calculated income tax.
Where Can You Use This Salary Tax Calculator?
You can use this Salary Tax Calculator whenever you want to quickly estimate income tax, compare regimes, or plan your yearly savings and investments.
At the Start of the Financial Year
Estimate tax under both regimes at the beginning of FY 2025–26 so you can decide which option to choose and plan TDS and investments properly.
While Submitting Investment Proofs
Check how much tax you save after adding HRA, Section 80C, 80D, and other deductions and see if extra investments are really required.
Comparing Job Offers
Compare in-hand salary from two different CTC offers by calculating tax under the same regime and checking which job gives better take-home pay.
Planning Loans & EMIs
Use the tax estimate to know your real monthly budget before taking a home loan, car loan, or personal loan and fix a safe EMI amount.
Before Filing Your ITR
Recheck taxable income and total tax in the chosen regime so that your self-calculation matches the numbers shown on the income tax portal.
Budgeting & Monthly Savings
Estimate annual tax, divide it across months, and plan how much you can safely spend or invest every month after tax deduction.
Salary Tax Calculator – FAQ
It takes your gross annual salary, age group and deductions, applies FY 2025–26 slabs for both regimes, adds 4% cess and then compares total tax.
Yes. A standard deduction of ₹50,000 is applied to salary income in both the new and old tax regimes before tax is calculated.
The calculator shows tax under both regimes side by side. As a thumb rule, the new regime suits low deductions; the old regime suits higher deductions.
Yes. When you choose the correct age group, the old regime slab limits and rebate rules are adjusted for senior and super senior citizens.
The tool adds 4% health and education cess on the calculated tax. It does not handle surcharge for very high incomes, so those cases need expert advice.
Use it mainly for planning and comparison. Always match the final figures with Form 16, AIS and the income tax portal before filing your return.
