Income Tax Calculator: Old Regime vs New Regime

Income tax calculate karein dono regimes mein (Old vs New) — deductions, HRA, standard deduction, surcharge, cess ke saath. Side-by-side comparison aur best regime recommendation.

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Home › All Tools › Income Tax Calculator FY 2025-26 (Old vs New Regime)

India mein Income Tax dono regimes options hain (FY 2025-26 / AY 2026-27): Old Regime (deductions allowed but higher rates) aur New Regime (no most deductions but lower rates + standard deduction Rs 75,000).

New Regime slabs (FY 2025-26): 0-4L = 0%, 4-8L = 5%, 8-12L = 10%, 12-16L = 15%, 16-20L = 20%, 20-24L = 25%, 24L+ = 30%. Standard deduction Rs 75,000. Rebate u/s 87A up to taxable income Rs 12L = zero tax (effectively up to ~Rs 12.75L gross income tax-free).

Old Regime slabs: 0-2.5L = 0%, 2.5-5L = 5%, 5-10L = 20%, 10L+ = 30%. Standard deduction Rs 50,000. Plus deductions: Sec 80C (Rs 1.5L PPF/ELSS/insurance/home loan principal), 80D (health insurance Rs 25K self + 50K parents), 80CCD (NPS Rs 50K additional), 80G (donations), 80E (education loan interest), Sec 24(b) (home loan interest Rs 2L for self-occupied), HRA exemption.

Yeh free calculator aapse gross salary, savings (80C/80D/etc), HRA components, home loan interest, donations input leta hai aur dono regimes mein tax compute karke side-by-side dikhata hai. Recommendation: "Old Regime saves Rs X" ya "New Regime saves Rs Y" based on your numbers.

General rule of thumb: Agar 80C + 80D + Sec 24 + HRA milake total deductions Rs 4L+ hain to Old Regime usually better. Below Rs 3L deductions, New Regime usually better (lower rates win).

Calculator surcharge bhi compute karta hai (10% above 50L, 15% above 1Cr, 25% above 2Cr, 37% above 5Cr — New Regime me 37% surcharge removed for income > 5Cr) aur 4% Health & Education Cess on total tax.

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Frequently Asked Questions

FY 2025-26 mein New Regime default kyun banaya?
Budget 2023 mein New Regime ko default banaya gaya to simplify compliance — most taxpayers (non-investors) ke liye easier. Standard deduction badha Rs 75K kar diya (Old me Rs 50K). Lekin Old Regime opt-in karne ka option har year mein available hai by filling Form 10-IEA before ITR filing.
80C deduction Old Regime mein kitna milta hai?
Maximum Rs 1.5 lakh combined across PPF, ELSS, LIC premium, home loan principal repayment, EPF employee contribution, NPS Tier-1 (under 80C), Sukanya Samriddhi, tax-saver FD (5-yr), NSC, tuition fees for 2 children. Important: 80C max Rs 1.5L hai TOTAL, not per item.
Standard deduction salaried ko milti hai New mein?
Haan — New Regime mein bhi Rs 75,000 standard deduction milta hai salaried + pensioners ko (Budget 2024 mein increase). Effectively this makes gross income up to ~Rs 12.75L tax-free under New Regime due to 87A rebate.
HRA exemption Old Regime me hi milti hai?
Yes, HRA exemption u/s 10(13A) sirf Old Regime me available hai. New Regime mein HRA exempt nahi. Formula: min of (a) actual HRA received, (b) 50% of basic salary (40% in non-metro), (c) actual rent paid minus 10% of basic. Rent receipts + PAN of landlord (if annual rent > Rs 1L) zaroori.
NPS me extra Rs 50K deduction kaise milti hai?
Sec 80CCD(1B) ke under additional Rs 50,000 NPS Tier-1 contribution par milti hai, ON TOP of Rs 1.5L 80C limit. Sirf Old Regime mein. Employer NPS contribution u/s 80CCD(2) up to 10% of basic also tax-deductible (no limit, both regimes). Self-employed + salaried both eligible.

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