Income Tax Calculator
Old vs New regime comparison — FY 2025-26 slabs
Income
New regime
taxable · std ded ₹75k
BetterOld regime
taxable · std ded ₹50k + deductions
BetterYou save with the regime.
FY 2025-26 slabs + 4% cess. New regime rebate up to ₹12L taxable. Approximate — surcharge and marginal relief not included.
Income Tax Calculator — Complete Guide & Instructions
MakeCard Income Tax Calculator compares your tax liability under India's old and new regimes for FY 2025-26 side by side. Enter annual income and Section 80C-style deductions to see taxable income and tax under each regime — with standard deduction, slab rates, Section 87A rebates, and 4% cess applied — plus a clear "Better" badge and the rupee amount you save with the winning regime.
How to Use Income Tax Calculator
- 1 Enter your annual gross income in rupees.
- 2 Enter your total deductions (80C + 80D etc.) — these apply only under the old regime.
- 3 Click "Compare regimes".
- 4 The card marked "Better" wins; the line below shows the exact saving in rupees.
Key Features & Capabilities
- FY 2025-26 slab rates for both regimes.
- New regime: Rs 75,000 standard deduction and full rebate up to Rs 12 lakh taxable.
- Old regime: Rs 50,000 standard deduction plus your 80C/80D deductions and rebate up to Rs 5 lakh.
- 4% health and education cess applied to both.
- Side-by-side taxable income and tax figures with the better regime flagged.
- Exact saving amount displayed between the two.
Supported Formats & Specifications
| Parameter | Specification |
|---|---|
| Tax Year | FY 2025-26 (AY 2026-27) slabs |
| New Regime | 0% to 4L, then 5/10/15/20/25/30%; std ded Rs 75k; rebate to Rs 12L |
| Old Regime | 0% to 2.5L, then 5/20/30%; std ded Rs 50k + deductions; rebate to Rs 5L |
| Cess | 4% health & education cess on tax |
| Excluded | Surcharge and marginal relief — approximate estimate |
Practical Everyday Use Cases
- Choosing between the old and new regime before filing ITR.
- Checking whether 80C investments still make the old regime worthwhile.
- Estimating tax liability for salary structuring or advance tax.
- Verifying the regime your employer applied to TDS.
- Projecting the tax impact of an income change.
Pro Tips for Best Results
- The new regime suits most taxpayers unless deductions exceed roughly Rs 4–5 lakh — compare with your real 80C+80D total.
- Standard deduction differs: Rs 75,000 new vs Rs 50,000 old — the tool applies both automatically.
- Under the new regime, taxable income up to Rs 12 lakh effectively pays zero tax via the 87A rebate.
- Surcharge on very high incomes is not included — above Rs 50 lakh, consult the full computation.
Common Problems & Solutions
Employers deduct tax monthly including surcharge and perquisites — this tool gives the annual slab-based estimate only.
Deductions apply only to the old regime; if the new regime still wins, your deductions are too small to offset its lower slabs.
Taxable income at or under the rebate threshold (Rs 12L new / Rs 5L old) results in zero tax — correct behavior.
Privacy & Security
100% Client-Side Execution
Income figures are computed locally in your browser — no financial data is sent to or stored on any server.
Frequently Asked Questions
Everything you need to know about using Income Tax Calculator
For most salaried people the new regime wins because of lower slabs and the Rs 12 lakh rebate — the old regime only wins when total deductions are large enough to compensate. Enter your numbers here to see the exact comparison.
Rs 75,000 for salaried individuals in FY 2025-26. The old regime offers Rs 50,000 plus itemized deductions like 80C, 80D, and HRA.
Under the new regime, taxable income up to Rs 12 lakh qualifies for the full Section 87A rebate, resulting in zero tax — the calculator applies this automatically.
Very few — mainly the standard deduction and employer NPS contribution. Popular ones like 80C, 80D, and HRA are available only under the old regime.
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