Income Tax Calculator
Compare Old vs New Tax Regime for FY 2025-26. Enter your income and deductions to instantly find out which regime saves you more.
Income & Deductions
Total CTC or gross salary before any deductions
Deductions (Old Regime only)
Max: ₹ 1,50,000
Max: ₹ 1,00,000
Recommended for you
new Tax Regime
You save ₹ 99,320 by choosing the new regime
Old Regime
₹ 99,320
Eff. rate: 8.3%
New Regime
₹ 0
Eff. rate: 0.0%
Detailed Comparison
| Detail | Old Regime | New Regime |
|---|---|---|
| Gross Income | ₹ 12,00,000 | ₹ 12,00,000 |
| Standard Deduction | ₹ 50,000 | ₹ 75,000 |
| Other Deductions | ₹ 2,35,000 | ₹ 0 |
| Taxable Income | ₹ 9,15,000 | ₹ 11,25,000 |
| Income Tax | ₹ 95,500 | ₹ 0 |
| Health & Education Cess (4%) | ₹ 3,820 | ₹ 0 |
| Total Tax Payable | ₹ 99,320 | ₹ 0✓ Better |
New Regime (FY 2025-26): Standard deduction of ₹75,000. Tax-free up to ₹12 lakh income due to rebate under Section 87A. No deductions allowed for 80C, HRA etc.
Old Regime: Standard deduction of ₹50,000. Allows deductions under 80C (up to ₹1.5L), 80D (health insurance), HRA, home loan interest, and more.
Which regime is better? If your total deductions exceed ~₹3.75 lakh, the old regime may save more tax. Otherwise, the new regime is usually better.