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New Tax Regime Calculator

Estimate new-regime tax for FY 2025-26 / AY 2026-27 with current slab rates, standard deduction, rebate, and marginal relief.

Interactive calculator

Calculate income tax for FY 2025-26

Calculate and compare tax liability under Old vs. New Tax Regimes using updated slab rates and exemption rules.

Income type
Are parents senior citizens?

Results

Taxable Income

₹17,25,000

Final Tax Liability

₹1,50,800

Deductions Claimed

₹75,000

Breakeven Analysis

Old vs. New Regime Breakeven Deductions

For your gross salary of ₹18,00,000, you need a total of ₹6,41,667 in eligible Old Regime deductions (including standard deduction) to match the New Regime tax liability.

Your Current Old Regime Deductions:₹2,25,000
Breakeven Deductions Target:₹6,41,667
ℹ You need ₹4,16,667 more in deductions to make the Old Regime cheaper than the New Regime. The New Regime is currently better.

New Regime Active Slabs & Computed Tax

₹0.0L - 4.0L0%
Computed Tax:₹0
₹4.0L - 8.0L5%
Computed Tax:₹20,000
₹8.0L - 12.0L10%
Computed Tax:₹40,000
₹12.0L - 16.0L15%
Computed Tax:₹60,000
₹16.0L - 20.0L20%
Computed Tax:₹25,000
₹20.0L - 24.0L25%
Computed Tax:₹0
Above ₹24.0L30%
Computed Tax:₹0

Regulatory Compliance & Computation Lineage

Statutory Reference: All calculations are executed in conformity with the provisions of the Finance Act 2025 and guidelines issued by the Central Board of Direct Taxes (CBDT), Ministry of Finance, Government of India.

Regime Slab Structures (FY 2025-26 / AY 2026-27):

  • New Tax Regime: Governed by Section 115BAC. Salaried individuals receive a standard deduction of ₹75,000. Marginal relief is incorporated for taxable incomes exceeding the rebate threshold of ₹12,00,000 under Section 87A.
  • Old Tax Regime: Salaried individuals receive a standard deduction of ₹50,000. Exemptions are allowed for standard claims under Section 80C (up to ₹1,50,000), Section 80D medical premiums (up to ₹25,000 for self / ₹50,000 for senior citizen parents), and Section 24(b) home loan interest exemptions (up to ₹2,00,000).

Breakeven Solver Methodology: The breakeven algorithm runs a numerical binary search to find the minimum deductible value D where OldRegimeTax(D) <= NewRegimeTax. Surcharge (applicable above ₹50L) and health/education cess (4%) are fully factored in the comparative results.

How to use it

  1. 01Enter salary and any additional slab-rate taxable income.
  2. 02Use the additional deductions field only for already-eligible new-regime deductions such as employer NPS where applicable.
  3. 03Review the final tax after rebate, marginal relief, and cess.

Result guide

  • Standard deduction is Rs. 75,000 for salaried or pension income in this version.
  • Section 87A rebate is applied up to Rs. 60,000 when taxable income does not exceed Rs. 12 lakh.
  • Marginal relief is modeled around the Rs. 12 lakh threshold before cess.

About this calculator

The new regime is now the default tax framework for most individual taxpayers, which makes a current-rule calculator important for production use.

This page includes the FY 2025-26 slab structure, salaried standard deduction, rebate up to Rs. 12 lakh, and the marginal relief behavior around that threshold.

Frequently asked questions

Which slab rates are used here?

This page uses FY 2025-26 / AY 2026-27 new-regime slab rates starting with a nil rate up to Rs. 4 lakh.

Why is there an extra deduction field in the new regime?

It is there for already-eligible items such as employer NPS deduction. The calculator does not infer eligibility automatically.

Does the no-tax threshold include standard deduction for salaried users?

Yes. Salaried users benefit from the Rs. 75,000 standard deduction before tax is computed in this version.

RS
Per RBI / CBDT / SEBI guidelinesUpdated for FY 2025-26 tax slabs

Reviewed by Rajesh Sharma, CA

Chartered Accountant (CA, ICAI) & Certified Financial Planner (CFP)

Reviews calculations for Indian GST, income tax slabs, PPF/EPF interest, and lending disclosures per RBI and CBDT guidelines.

Formula last verified: June 2026

Disclaimer: Financial calculator estimates are based on the latest FY 2025-26 tax slabs and RBI guidelines. Under Indian regulatory provisions, these calculations are for educational purposes only and do not constitute SEBI-registered investment, CA tax, or legal advice.

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