Salary, house property, business, interest and capital gains, with your full deduction list. We compute both regimes to the rupee, including the rebate and surcharge marginal reliefs most calculators skip, and tell you which one wins.
| New regime | Old regime | |
|---|---|---|
| Income at slab rates | ₹14,25,000 | ₹14,50,000 |
| Deductions claimed | ₹0 | ₹1,50,000 |
| Taxable income | ₹14,25,000 | ₹13,00,000 |
| Tax at slab rates | ₹93,750 | ₹2,02,500 |
| Health & education cess, 4% | ₹3,750 | ₹8,100 |
| Total tax | ₹97,500 | ₹2,10,600 |
| Per month | ₹8,125 | ₹17,550 |
| Band | Rate | Tax |
|---|---|---|
| ₹0 – ₹4,00,000 | 0% | ₹0 |
| ₹4,00,000 – ₹8,00,000 | 5% | ₹20,000 |
| ₹8,00,000 – ₹12,00,000 | 10% | ₹40,000 |
| ₹12,00,000 – ₹14,25,000 | 15% | ₹33,750 |
| Band | Rate | Tax |
|---|---|---|
| ₹0 – ₹2,50,000 | 0% | ₹0 |
| ₹2,50,000 – ₹5,00,000 | 5% | ₹12,500 |
| ₹5,00,000 – ₹10,00,000 | 20% | ₹1,00,000 |
| ₹10,00,000 – ₹13,00,000 | 30% | ₹90,000 |
Advance tax is due once your liability for the year crosses ₹10,000, in four instalments under section 211. Miss one and interest runs under sections 234B and 234C.
| Due date | Cumulative | Pay now |
|---|---|---|
| 15 Jun 2025 | 15% | ₹14,625 |
| 15 Sep 2025 | 45% | ₹29,250 |
| 15 Dec 2025 | 75% | ₹29,250 |
| 15 Mar 2026 | 100% | ₹24,375 |
For resident individuals, FY 2025-26 (AY 2026-27). Includes the 87A rebate and its marginal relief, surcharge with marginal relief, the 15% surcharge ceiling on capital gains, and 4% cess. Surcharge marginal relief is measured against a slab-income taxpayer at the threshold. Doesn’t cover firms, companies, non-residents, relief u/s 89 or carried-forward losses. Indicative only, confirm with an Expert before you file.
The new regime is now the default. We run both side by side across every head of income, so you can see the actual rupee difference, the slab-by-slab workings and your advance-tax dates before you choose.
This tool estimates tax under both regimes across every head of income. A real return still needs TDS reconciliation, Form 26AS / AIS matching, carried-forward losses and the right schedules, where mistakes get expensive.
With our ITR Filing service an Expert picks the right regime, claims every deduction you’re entitled to, and files accurately before the due date.
Expert-filed income-tax returns for salaried, freelancers and businesses.
From FY 2023-24 onward the new regime is the default. You can still opt for the old regime when filing, but you must choose it actively, our calculator shows whether that’s worth it for you.
It’s a rebate that brings your tax to nil up to a threshold. For FY 2025-26 the new regime gives full rebate up to ₹12,00,000 of taxable income; the old regime up to ₹5,00,000.
Yes. We apply ₹75,000 standard deduction under the new regime and ₹50,000 under the old regime automatically before computing slabs, capped at your actual salary.
Yes, in full. Surcharge runs at 10% above ₹50 lakh, 15% above ₹1 crore, 25% above ₹2 crore and 37% above ₹5 crore, with the new regime capped at 25%. We also apply marginal relief, so crossing a threshold never costs you more than the income that crossed it, and the 15% ceiling that applies to tax on capital gains.
At their own special rates, in both regimes. Short-term gains on listed equity under section 111A are taxed at 20%, and long-term gains under 112A at 12.5% after a ₹1,25,000 annual exemption. If your other income falls below the basic exemption limit, the unused part is set against those gains, which is what a resident is entitled to.
Because the rebate is not available against income taxed at special rates. Under the new regime it covers only your slab tax; under the old regime it covers slab tax and 111A short-term gains, but never 112A long-term gains. The calculator applies that split for you.
Without it, earning ₹1 more than ₹12 lakh of taxable income would cost about ₹61,500 in tax. Marginal relief caps the tax at the amount by which your income exceeds ₹12 lakh, so at ₹12,10,000 you pay ₹10,000 plus cess instead of ₹61,500. The relief tapers out around ₹12.75 lakh.
Only on a let-out property, and even then a resulting loss can’t be set off against your other income. For a self-occupied home the ₹2 lakh interest deduction exists only in the old regime, which is often what tips the comparison.
Essentially one: your employer’s NPS contribution under 80CCD(2), capped at 14% of salary versus 10% in the old regime. The ₹75,000 standard deduction also applies. 80C, 80D, 80CCD(1B), 80TTA, 80G and HRA are all old-regime only.
Once your liability for the year crosses ₹10,000, in four instalments under section 211: 15% by 15 June, 45% by 15 September, 75% by 15 December and 100% by 15 March. The calculator sizes each one for you. Miss them and interest runs under sections 234B and 234C.
We pick the right regime, claim every deduction you’re entitled to, and file accurately before the deadline.