CalcIncome Tax Calculator India 2025-26 — Old & New Regime | Calczia
Calculate your income tax instantly for FY 2025-26. Compare old vs new tax regime, see exact deductions, and find out your in-hand salary — free, fast & India-specific.
Old Regime Deductions
Tax Advice & Savings
Old Tax Regime
New Tax Regime
Formula & Calculation
Tax Savings = Tax under Regime A - Tax under Regime B- Old Regime Slabs: Tax computation using traditional deductions (80C, HRA, home loan).
- New Regime Slabs: Tax computation using lower tax rates but zero deductions (except ₹75,000 standard deduction).
How to Use
- Enter your annual taxable salary income.
- Specify your tax deductions (80C up to 1.5L, 80D up to 25k, etc.).
- Compare the detailed slab calculations side by side.
- Instantly see which regime saves you more money.
Filing your income tax return feels complicated — until you actually sit down and do the math. The truth is, knowing how much income tax you owe in India comes down to a straightforward calculation once you understand the slabs, and that is exactly what this calculator does for you.
Calczia's Income Tax Calculator for FY 2025-26 lets you instantly compute your tax liability under both the old tax regime and the new tax regime — so you can compare and choose the one that saves you more money.
How Does Income Tax Work in India?
India uses a progressive tax slab system — meaning the more you earn, the higher the percentage of tax you pay on the income above each threshold. For FY 2025-26 under the new regime, the slabs are:
- ₹0 – ₹3,00,000: Nil
- ₹3,00,001 – ₹7,00,000: 5%
- ₹7,00,001 – ₹10,00,000: 10%
- ₹10,00,001 – ₹12,00,000: 15%
- ₹12,00,001 – ₹15,00,000: 20%
- Above ₹15,00,000: 30%
Under the old regime, the slabs are slightly different but you get access to deductions under Section 80C (up to ₹1.5 lakh), HRA exemption, standard deduction of ₹50,000, and more. Many salaried employees with home loans and insurance investments save more under the old regime.
Old Regime vs New Regime — Which Is Better for You?
This is the most common question every salaried Indian asks during tax season. The new regime offers lower slab rates but removes most deductions. The old regime has higher rates but lets you reduce your taxable income significantly through investments and expenses.
Our calculator computes both simultaneously, so you can see your tax liability side by side and make the right call in seconds — no CA required for a quick estimate.
How to Use Calczia's Income Tax Calculator
- Step 1: Enter your annual gross salary (CTC or total income)
- Step 2: Add deductions if you're using old regime (80C, HRA, etc.)
- Step 3: Select your age group (affects senior citizen slabs)
- Step 4: Hit Calculate — instantly see tax under both regimes
The result shows your total tax, surcharge if applicable, health & education cess (4%), and your final net tax payable.
Why Use Calczia for Income Tax?
Most tax calculators online are either outdated, cluttered with ads, or require you to create an account. Calczia is none of those things. It's free, clean, updated for the current financial year, and built for regular Indians — not accountants. You get your answer in under 30 seconds.
Frequently Asked Questions
How much income tax do I pay on ₹10 lakh salary in India?
Under the new regime for FY 2025-26, a ₹10 lakh salary attracts approximately ₹54,600 in tax (including 4% cess), after the standard deduction of ₹75,000. Under the old regime it depends on your deductions claimed.
Is the new tax regime better than the old regime?
It depends on your deductions. If your total deductions (80C + HRA + others) exceed ₹3.75 lakh, the old regime typically saves more. Below that, the new regime is usually better.
What is the income tax exemption limit in India for FY 2025-26?
Under the new regime, income up to ₹7 lakh is effectively tax-free due to the rebate under Section 87A.
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