Estimate tax under the old regime with all Chapter VI-A deductions. Standard deduction for salaried is ₹50,000 and rebate u/s 87A applies up to ₹5,00,000 taxable income.
| Income range | Tax rate |
|---|---|
| ₹0 – ₹2,50,000 | 0% |
| ₹2,50,000 – ₹5,00,000 | 5% |
| ₹5,00,000 – ₹10,00,000 | 20% |
| ₹10,00,000 – above | 30% |
| Income range | Tax rate |
|---|---|
| ₹0 – ₹4,00,000 | 0% |
| ₹4,00,000 – ₹8,00,000 | 5% |
| ₹8,00,000 – ₹12,00,000 | 10% |
| ₹12,00,000 – ₹16,00,000 | 15% |
| ₹16,00,000 – ₹20,00,000 | 20% |
| ₹20,00,000 – ₹24,00,000 | 25% |
| ₹24,00,000 – above | 30% |
The old regime is worth picking when your total deductions are high - typically when 80C, 80D, HRA and home loan interest together exceed ₹4-5 lakh a year. Run both regimes side by side here and pick the lower number.
Key deductions: Section 80C up to ₹1,50,000 (EPF, PPF, ELSS, LIC, tuition, principal repayment), 80CCD(1B) extra ₹50,000 for NPS, 80D up to ₹1,00,000 for health insurance (self, family, parents), Section 24(b) up to ₹2,00,000 for home loan interest on self-occupied property, and HRA exemption if you pay rent.
Zero tax up to ₹5 lakh taxable. Rebate u/s 87A applies on taxable income up to ₹5,00,000. With ₹50,000 standard deduction plus ₹1,50,000 80C plus ₹50,000 80CCD(1B), salaried individuals can often pay no tax on gross salary up to ₹7,50,000.
Surcharge in the old regime goes up to 37% on income above ₹5 crore, versus 25% capped in the new regime - a major reason ultra-high earners prefer the new regime.
Pre-loaded scenarios most salaried taxpayers want to check before filing ITR.
Income tax calculator India
FY 2025-26 · AY 2026-27 · both regimes
New regime tax calculator
Budget 2025 slabs, ₹12L rebate
Old regime tax calculator
80C, 80D, 24(b) deductions
Tax on ₹5 lakh salary
Zero tax under both regimes
Tax on ₹10 lakh salary
New regime in-hand breakdown
Tax on ₹15 lakh salary
Compare regimes at mid-range
Tax on ₹20 lakh salary
Upper-middle income bracket
Tax on ₹50 lakh salary
Where surcharge kicks in
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