Smart Income Tax Calculator 2025
Plan your taxes efficiently with our advanced calculator. Compare both tax regimes, maximize deductions, and get personalized recommendations for tax savings.
Tax Calculator
Calculate Your Tax Liability
Enter your income details below to calculate your tax liability under both old and new tax regimes.
Calculate Income Tax
Enter your income details to calculate tax liability
Tax Analysis
Your Tax Breakdown
Tax Summary
Based on Old Tax Regime
₹0
Monthly: ₹0
₹0
Monthly: ₹0
₹0
Monthly: ₹0
₹0
After ₹NaN deductions
₹0
₹0
4% of base tax
0.00%
Of gross income
Potential tax savings available
Switching to 2026 Regime could save you ₹0 annually
Monthly savings: ₹0
Tax Regime Comparison
Compare your tax liability under different regimes to make an informed choice
Old Regime
Best ChoiceTraditional tax regime with deductions
Total Tax
₹0
Monthly Tax
₹0
Effective Tax Rate
0.00%
In-Hand Monthly
₹0
New Regime
Simplified tax regime without deductions
Total Tax
₹0
Monthly Tax
₹0
Effective Tax Rate
0.00%
In-Hand Monthly
₹0
Additional Tax vs Best Option
+₹0/year
2026 Regime
Coming SoonUpcoming tax regime effective FY 2025-26
Total Tax
₹0
Monthly Tax
₹0
Effective Tax Rate
0.00%
In-Hand Monthly
₹0
Additional Tax vs Best Option
+₹0/year
Recommended Tax Regime
The Old Regime provides you with a lower tax liability with optimal deductions
Investment Potential
You're already on the most tax-efficient regime
Continue with your current tax regime as it provides the lowest tax liability. Consider exploring other tax-saving investments within your chosen regime to further optimize your tax planning.
Detailed Tax Breakdown
| Particulars | Old Regime |
|---|---|
| Gross Income | 0 |
| Less: Deductions | -0 |
| Taxable Income | 0 |
| Tax Calculation | |
| Base Tax | 0 |
| Add: Health & Education Cess (4%) | 0 |
| Total Tax Liability | 0 |
| Effective Tax Rate | 0.00% |
How is the tax calculated?
- Start with Gross Income: ₹0
- Apply Deductions: -0
- Calculate tax on Taxable Income (₹0) using tax slabs:
- Add 4% Health & Education Cess on Base Tax:
₹0 × 4% = ₹0 - Total Tax = Base Tax + Cess:
₹0 + ₹0 = ₹0
Deduction Analysis
Old vs New vs 2026 Regime Break-Even Analysis
See how different deduction amounts affect your tax liability in all three regimes
| Total Deductions | Deduction Breakdown | Old Regime Tax | New Regime Tax | 2026 Regime Tax | Max Tax Savings | Best Regime |
|---|---|---|---|---|---|---|
| 50,000 | Standard Deduction:50,000 | 2,57,400 | 1,30,000 | 97,500 | 1,59,900 | 2026 Regime |
| 62,500 | Standard Deduction:50,000 Section 80C:12,500 | 2,53,500 | 1,30,000 | 97,500 | 1,56,000 | 2026 Regime |
| 75,000 | Standard Deduction:50,000 Section 80C:25,000 | 2,49,600 | 1,30,000 | 97,500 | 1,52,100 | 2026 Regime |
| 87,500 | Standard Deduction:50,000 Section 80C:37,500 | 2,45,700 | 1,30,000 | 97,500 | 1,48,200 | 2026 Regime |
| 1,00,000 | Standard Deduction:50,000 Section 80C:50,000 | 2,41,800 | 1,30,000 | 97,500 | 1,44,300 | 2026 Regime |
| 1,12,500 | Standard Deduction:50,000 Section 80C:62,500 | 2,37,900 | 1,30,000 | 97,500 | 1,40,400 | 2026 Regime |
| 1,25,000 | Standard Deduction:50,000 Section 80C:75,000 | 2,34,000 | 1,30,000 | 97,500 | 1,36,500 | 2026 Regime |
| 1,37,500 | Standard Deduction:50,000 Section 80C:87,500 | 2,30,100 | 1,30,000 | 97,500 | 1,32,600 | 2026 Regime |
| 1,50,000 | Standard Deduction:50,000 Section 80C:1,00,000 | 2,26,200 | 1,30,000 | 97,500 | 1,28,700 | 2026 Regime |
| 1,62,500 | Standard Deduction:50,000 Section 80C:1,12,500 | 2,22,300 | 1,30,000 | 97,500 | 1,24,800 | 2026 Regime |
| 1,75,000 | Standard Deduction:50,000 Section 80C:1,25,000 | 2,18,400 | 1,30,000 | 97,500 | 1,20,900 | 2026 Regime |
| 1,87,500 | Standard Deduction:50,000 Section 80C:1,37,500 | 2,14,500 | 1,30,000 | 97,500 | 1,17,000 | 2026 Regime |
| 2,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 | 2,10,600 | 1,30,000 | 97,500 | 1,13,100 | 2026 Regime |
| 2,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:12,500 | 2,06,700 | 1,30,000 | 97,500 | 1,09,200 | 2026 Regime |
| 2,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:25,000 | 2,02,800 | 1,30,000 | 97,500 | 1,05,300 | 2026 Regime |
| 2,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:37,500 | 1,98,900 | 1,30,000 | 97,500 | 1,01,400 | 2026 Regime |
| 2,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:50,000 | 1,95,000 | 1,30,000 | 97,500 | 97,500 | 2026 Regime |
| 2,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:62,500 | 1,91,100 | 1,30,000 | 97,500 | 93,600 | 2026 Regime |
| 2,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:75,000 | 1,87,200 | 1,30,000 | 97,500 | 89,700 | 2026 Regime |
| 2,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:87,500 | 1,83,300 | 1,30,000 | 97,500 | 85,800 | 2026 Regime |
| 3,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 | 1,79,400 | 1,30,000 | 97,500 | 81,900 | 2026 Regime |
| 3,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):12,500 | 1,75,500 | 1,30,000 | 97,500 | 78,000 | 2026 Regime |
| 3,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):25,000 | 1,71,600 | 1,30,000 | 97,500 | 74,100 | 2026 Regime |
| 3,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):37,500 | 1,67,700 | 1,30,000 | 97,500 | 70,200 | 2026 Regime |
| 3,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):50,000 | 1,63,800 | 1,30,000 | 97,500 | 66,300 | 2026 Regime |
| 3,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):62,500 | 1,59,900 | 1,30,000 | 97,500 | 62,400 | 2026 Regime |
| 3,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 | 1,56,000 | 1,30,000 | 97,500 | 58,500 | 2026 Regime |
| 3,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:12,500 | 1,52,100 | 1,30,000 | 97,500 | 54,600 | 2026 Regime |
| 4,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:25,000 | 1,48,200 | 1,30,000 | 97,500 | 50,700 | 2026 Regime |
| 4,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:37,500 | 1,44,300 | 1,30,000 | 97,500 | 46,800 | 2026 Regime |
| 4,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:50,000 | 1,40,400 | 1,30,000 | 97,500 | 42,900 | 2026 Regime |
| 4,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:62,500 | 1,36,500 | 1,30,000 | 97,500 | 39,000 | 2026 Regime |
| 4,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:75,000 | 1,32,600 | 1,30,000 | 97,500 | 35,100 | 2026 Regime |
| 4,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:87,500 | 1,28,700 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 4,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,00,000 | 1,24,800 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 4,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,12,500 | 1,20,900 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,25,000 | 1,17,000 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,37,500 | 1,14,400 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,50,000 | 1,11,800 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,62,500 | 1,09,200 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,75,000 | 1,06,600 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:1,87,500 | 1,04,000 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 | 1,01,400 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 5,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:12,500 | 98,800 | 1,30,000 | 97,500 | 32,500 | 2026 Regime |
| 6,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:25,000 | 96,200 | 1,30,000 | 97,500 | 33,800 | Old Regime |
| 6,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:37,500 | 93,600 | 1,30,000 | 97,500 | 36,400 | Old Regime |
| 6,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 | 91,000 | 1,30,000 | 97,500 | 39,000 | Old Regime |
| 6,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:12,500 | 88,400 | 1,30,000 | 97,500 | 41,600 | Old Regime |
| 6,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:25,000 | 85,800 | 1,30,000 | 97,500 | 44,200 | Old Regime |
| 6,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:37,500 | 83,200 | 1,30,000 | 97,500 | 46,800 | Old Regime |
| 6,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:50,000 | 80,600 | 1,30,000 | 97,500 | 49,400 | Old Regime |
| 6,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:62,500 | 78,000 | 1,30,000 | 97,500 | 52,000 | Old Regime |
| 7,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:75,000 | 75,400 | 1,30,000 | 97,500 | 54,600 | Old Regime |
| 7,12,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:87,500 | 72,800 | 1,30,000 | 97,500 | 57,200 | Old Regime |
| 7,25,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,00,000 | 70,200 | 1,30,000 | 97,500 | 59,800 | Old Regime |
| 7,37,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,12,500 | 67,600 | 1,30,000 | 97,500 | 62,400 | Old Regime |
| 7,50,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,25,000 | 65,000 | 1,30,000 | 97,500 | 65,000 | Old Regime |
| 7,62,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,37,500 | 62,400 | 1,30,000 | 97,500 | 67,600 | Old Regime |
| 7,75,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,50,000 | 59,800 | 1,30,000 | 97,500 | 70,200 | Old Regime |
| 7,87,500 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,62,500 | 57,200 | 1,30,000 | 97,500 | 72,800 | Old Regime |
| 8,00,000 | Standard Deduction:50,000 Section 80C:1,50,000 HRA:1,00,000 Health Insurance (80D):75,000 Home Loan Interest:2,00,000 NPS Additional:50,000 Other Deductions:1,75,000 | 54,600 | 1,30,000 | 97,500 | 75,400 | Old Regime |
Optimal Deduction Distribution Guide
To optimize your tax savings, here's how you can distribute your deductions:
Section 80C (80C)
PPF, ELSS, Life Insurance, EPF, NPS, etc.
Popular options:
- • PPF (Public Provident Fund)
- • ELSS Mutual Funds
- • Life Insurance Premium
- • EPF (Employee Provident Fund)
- • 5-year Tax Saving FD
- • NSC (National Savings Certificate)
- • Children's Tuition Fees
- • Home Loan Principal Repayment
Section 80D (80D)
Health Insurance Premium
Breakdown:
- • Self & Family25,000
- • Parents below 6025,000
- • Parents above 6050,000
Home Loan Interest (24(b))
Interest paid on home loan
NPS Additional (80CCD(1B))
Additional NPS contribution
Education Loan Interest (80E)
Interest on education loan
Pro Tips:
- • Start with Section 80C as it offers the highest limit and most flexible options
- • If you pay rent, ensure to claim HRA by submitting rent receipts
- • Health insurance premiums under 80D offer additional deductions beyond 80C limit
- • Consider NPS for additional ₹50,000 deduction under 80CCD(1B)
- • Keep all supporting documents for claimed deductions
New Tax Regime 2026 Brackets
Applicable tax rates for different income slabs under new regime 2026
₹0 - ₹4,00,000
Basic exemption limit
₹4,00,001 - ₹8,00,000
₹8,00,001 - ₹12,00,000
₹12,00,001 - ₹16,00,000
₹16,00,001 - ₹20,00,000
₹20,00,001 - ₹25,00,000
Above ₹25,00,000
New Tax Regime Brackets
Applicable tax rates for different income slabs under new regime
₹0 - ₹3,00,000
Basic exemption limit
₹3,00,001 - ₹7,00,000
₹7,00,001 - ₹10,00,000
₹10,00,001 - ₹12,00,000
₹12,00,001 - ₹15,00,000
Above ₹15,00,000
Old Tax Regime Brackets
Applicable tax rates for different income slabs under old regime
₹0 - ₹2,50,000
Basic exemption limit (Below 60 years)
₹2,50,001 - ₹5,00,000
₹5,00,001 - ₹10,00,000
Above ₹10,00,000
Age-based Exemption Limits
Personalized Tax Tips
Smart ways to optimize your tax liability
Investment Options
Tax-Saving Fixed Deposits
Lock-in period of 5 years with tax benefits under Section 80C
ELSS Mutual Funds
Equity investment with 3-year lock-in and potential for higher returns
National Pension System
Additional tax benefit of ₹50,000 under Section 80CCD(1B)
Insurance Planning
Health Insurance
Premium eligible for deduction under Section 80D up to ₹25,000
Term Life Insurance
Premium qualifies for Section 80C deduction with life coverage
Critical Illness Cover
Additional health protection with tax benefits
Budget 2025 Tax Updates
Latest changes in income tax structure
Key Highlights
- No income tax for income up-to Rs. 12 Lakhs (due to increased rebate of Rs. 60,000 under new regime)
- Direct tax code to be presented in the Parliament next week
- Modified tax slabs for new regime effective FY 2025-2026 (AY 2026-2027)
New Tax Slabs (FY 2025-26)
Note: These changes are applicable under the new tax regime for the Financial Year 2025-26 (Assessment Year 2026-27). The old tax regime continues to be available as an option for taxpayers.