Compare new and old regime tax on your income, with rebate, cess and surcharge. How it works: Enter your gross annual income and choose whether it is salary (for the standard deduction). Pick your age group and enter old-regime deductions (80C, 80D, HRA, home-loan interest). Compare the tax, cess and effective rate for both regimes.
About the Income Tax Calculator
India lets individual taxpayers choose between the new tax regime (lower slab rates, very few deductions) and the old regime (higher rates, but deductions such as 80C, 80D and HRA). This calculator works out the tax under both side by side so you can pick the cheaper one before you file or declare to your employer.
New regime slabs follow Budget 2025: nil up to ₹4 lakh, then 5% to 30% in ₹4 lakh steps, with a Section 87A rebate that makes taxable income up to ₹12 lakh tax-free (₹12.75 lakh for salaried people after the ₹75,000 standard deduction). Old regime slabs are nil up to ₹2.5 lakh (₹3 lakh for seniors, ₹5 lakh for super seniors), 5%, 20% and 30%.
How to use the Income Tax Calculator
- Enter your gross annual income and choose whether it is salary (for the standard deduction).
- Pick your age group and enter old-regime deductions (80C, 80D, HRA, home-loan interest).
- Compare the tax, cess and effective rate for both regimes.
Tips & benchmarks
- If your deductions are below roughly ₹4–5 lakh, the new regime usually wins at most income levels.
- Rates change with each Budget — confirm the current year's slabs on incometax.gov.in before filing.
Frequently asked questions
Is income up to ₹12 lakh tax-free in the new regime?
Yes. Taxable income up to ₹12 lakh gets a full Section 87A rebate (up to ₹60,000), and salaried taxpayers also get the ₹75,000 standard deduction, so salary up to ₹12.75 lakh pays no tax. Marginal relief applies just above ₹12 lakh.
Does this include surcharge?
Yes — 10% above ₹50 lakh, 15% above ₹1 crore and 25% above ₹2 crore (the old regime adds 37% above ₹5 crore). Marginal relief on surcharge is not applied, so very close to those thresholds the real figure can be slightly lower.
Is my data stored?
No. The calculation runs in your browser on News Appite; nothing you type is sent anywhere.
How does the Income Tax Calculator help me choose between the new and old tax regimes?
The Income Tax Calculator works out the tax under both the new and old regimes side by side, allowing you to compare and pick the cheaper one before you file or declare to your employer. It takes into account the slab rates, deductions, rebate, surcharge, and cess for both regimes. This helps you make an informed decision based on your individual tax situation.
What are the key differences between the new and old tax regimes in India?
The new tax regime has lower slab rates but very few deductions, whereas the old regime has higher rates but allows deductions such as 80C, 80D, and HRA. The calculator helps you compare the tax implications of both regimes, considering your gross annual income, age group, and applicable deductions.
How do I use the Income Tax Calculator to compare tax rates between the new and old regimes?
To use the calculator, simply enter your gross annual income, choose whether it is a salary, select your age group, and enter any old-regime deductions. The calculator will then compare the tax, cess, and effective rate for both regimes, helping you determine which one is more beneficial for you.
Does the Income Tax Calculator account for surcharge and cess in its calculations?
Yes, the Income Tax Calculator includes surcharge and a 4% health and education cess in its calculations, in addition to the slab tax and rebate. This ensures that you get an accurate estimate of your tax liability under both the new and old regimes.
Related searches
All tools on News Appite are free to use for personal and commercial work. Calculations and file conversions are performed in your browser; the redirect and cache checkers make a single request to the URL you enter and store nothing. Found a bug or want a new tool? Tell us.