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Income Tax Calculator

Compare tax under the Old and New Regime instantly. Enter your income and deductions, and we’ll recommend the regime that helps you save more.

1 Basic details

Financial year

Age group

View current tax slabs

New Regime slabs

Old Regime slabs Below 60

2 Income details All figures: annual, in ₹

Salary income Annual salary before deductions

₹

Interest income Fixed deposits, savings, RDs

₹

Dividend income

₹

Other income Freelance, miscellaneous

₹

House property income Annual rent received, if let-out

₹

Home loan interest — self occupied Capped at ₹2,00,000 (old regime)

₹

Home loan interest — let out On a rented-out property

₹

Crypto / digital assets income Net gains · taxed at a flat 30%

₹

3 Deductions Annual amounts, in ₹

Enter everything you're eligible for. We apply these where they're allowed and compare both regimes automatically — you never pick a regime yourself.

80C EPF, ELSS, LIC, PPF, tuition — max ₹1,50,000

₹

Medical insurance (80D) Health insurance premium & preventive check-ups

Self & family Max ₹25,000

₹

Parents Max ₹25,000

₹

My parents are senior citizens (60+) — raises their limit to ₹50,000

Your own limit is ₹25,000. It rises to ₹50,000 automatically when your age group is 60+.

Interest on Housing Loan (80EEA - Eligible Cases Only) Additional ₹1,50,000 over the ₹2,00,000 under Section 24(b)

₹

My loan is eligible for 80EEA

Applicable only for eligible affordable housing loans sanctioned during the notified period. Tick the box only if your loan qualifies — we won't apply this deduction otherwise.

Employer NPS contribution (80CCD(2)) Allowed in both regimes

₹

Interest from savings deposits (80TTA) Max ₹10,000 · ₹50,000 for seniors (80TTB)

₹

Donations (80G) Eligible donations, capped at 10% of income

₹

Employee NPS contribution (80CCD(1B)) Additional NPS — max ₹50,000

₹

Other deductions 80E, 80EE, 80DD & other eligible

₹

We compute both regimes and tell you which one saves more. Numbers stay on your device — no upload, no login.

How it works

Three simple steps — no sign-up, no spreadsheets.

Enter your income

Salary, interest, house property, crypto and other income.

Add deductions

80C, 80D, NPS, home loan benefits and other eligible deductions.

Compare both regimes

We automatically calculate tax under Old and New Regime and recommend the better option.

Why taxpayers use this calculator

Compare Old vs New Regime instantly

Updated for FY 2025-26 and FY 2026-27

Includes surcharge, cess and rebate

Built by tax professionals

Private and secure calculations

Get expert help if you're unsure

FAQ

Frequently asked questions

Which tax regime is better?

It depends on your deductions. The New Regime suits most people with few deductions; the Old Regime can win if you claim large 80C, 80D, HRA or home-loan benefits. This calculator checks both and tells you.

Is the new tax regime always better?

No. For many salaried people it is, thanks to the higher standard deduction and rebate — but large deductions can make the Old Regime cheaper. We compare both for you.

Is this calculator free?

Yes — completely free, with no sign-up required.

Does this calculator include rebate under section 87A?

Yes. The Section 87A rebate is applied automatically under both regimes wherever you qualify.

Can salaried employees use this calculator?

Yes. It is built for salaried individuals, and also works for freelancers and small business owners.

Is my information stored?

No. All calculations run in your browser. Your numbers are never uploaded or saved unless you choose to email yourself the report.

Can NRIs use this calculator?

It is designed for resident individuals. NRIs follow different rules, so please speak with our CAs for an accurate figure.

How accurate is this calculator?

It uses the current FY 2025-26 and FY 2026-27 slabs, rebate, surcharge and cess, and matches mainstream calculators for salaried cases. For complex incomes, confirm with a CA.