About this tool
Compare normal-income tax estimates under the selected assessment year and regime assumptions. The breakdown helps you separate slab tax, rebate, relief, surcharge and cess before reviewing the position with your tax adviser.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Annual Gross Salary / Normal Income (₹); Total Old Regime Deductions (80C + 80D + HRA + 24b) (₹).
- Assessment Year (Financial Year): choose from AY 2026-27 (FY 2025-26 — Latest Finance Act 2025, ₹12L 87A Rebate); AY 2025-26 (FY 2024-25 — Finance Act 2024, ₹7L 87A Rebate).
- Employment Type: choose from Salaried / Pensioner (Standard Deduction: ₹75k New / ₹50k Old); Non-Salaried / Business / Freelance (₹0 Standard Deduction).
- Review New Regime Total Tax (incl. 4% Cess); Old Regime Total Tax (incl. 4% Cess); Taxable Income (New Regime) in the result breakdown.
Benefits
- Compare regimes using the same income scenario.
- See which components contribute to the estimated total.
Who should use this tool?
- Salaried people reviewing a tax estimate.
- Accountants checking a normal-income scenario.
How to use
- Complete the labelled fields for your scenario, including Annual Gross Salary / Normal Income (₹); Total Old Regime Deductions (80C + 80D + HRA + 24b) (₹). Use the units shown beside each field.
- Choose Assessment Year (Financial Year); Employment Type to match the situation you want to check.
- Select Calculate / Run Tool and review Recommended Regime & Tax Liability (AY 2026-27) and New Regime Total Tax (incl. 4% Cess); Old Regime Total Tax (incl. 4% Cess).
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹12.75 Lakh Salaried (Zero Tax in AY 2026-27 New Regime) | Assessment Year (Financial Year): AY 2026-27 (FY 2025-26 — Latest Finance Act 2025, ₹12L 87A Rebate)Annual Gross Salary / Normal Income (₹): 1275000Employment Type: Salaried / Pensioner (Standard Deduction: ₹75k New / ₹50k Old)Age Category (for Old Regime Basic Exemption): Below 60 Years (₹2.5L Old Basic Limit)Total Old Regime Deductions (80C + 80D + HRA + 24b) (₹): 150000 | New Regime: ₹0 (New Tax Regime saves ₹1,40,400) |
| ₹51.75 Lakh High Earner (Tests ₹50L Surcharge & Marginal Relief) | Assessment Year (Financial Year): AY 2026-27 (FY 2025-26 — Latest Finance Act 2025, ₹12L 87A Rebate)Annual Gross Salary / Normal Income (₹): 5175000Employment Type: Salaried / Pensioner (Standard Deduction: ₹75k New / ₹50k Old)Age Category (for Old Regime Basic Exemption): Below 60 Years (₹2.5L Old Basic Limit)Total Old Regime Deductions (80C + 80D + HRA + 24b) (₹): 250000 | New Regime: ₹12,27,200 (New Tax Regime saves ₹98,800) |
Reference and processing
Income Tax Department India — Salaried Individuals for AY 2026-27 · Listed applicability: AY 2026-27 (FY 2025-26)
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Does this cover every kind of taxable income?
The model focuses on the income and assumptions shown in its fields. Special-rate income, residency issues and individual eligibility can need separate treatment. Check the applicable rules before filing.
Which inputs do I need for Income Tax Calculator India (AY 2026-27 New vs Old Regime)?
Use Assessment Year (Financial Year); Annual Gross Salary / Normal Income (₹); Employment Type; Age Category (for Old Regime Basic Exemption), then complete the remaining fields for your scenario. The built-in examples show how those fields fit together.
What should I check before using this result?
Computes slab tax, Section 87A rebate, marginal relief (both near ₹12L/₹7L u/s 87A and at surcharge thresholds ₹50L, ₹1Cr, ₹2Cr, ₹5Cr), surcharge (capped at 25% in New Regime vs up to 37% in Old Regime), and 4% Health & Education Cess for normal slab income. Excludes special-rate income (STCG u/s 111A, LTCG u/s 112A where 87A rebate does not apply, lottery u/s 115BB, and VDA/crypto u/s 115BBH @ 30%). Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.