Income Tax Calculator: Old vs New Regime (FY 2025–26)
Use our free Income Tax Calculator for FY 2025–26 (AY 2026–27) to compare the Old Tax Regime vs New Tax Regime and find out which one helps you save more. This calculator includes updated slabs, standard deduction, rebate under section 87A, surcharge, and cess — all in one place.
Key Features
- Compare old vs new tax regime instantly for FY 2025–26.
- Includes enhanced ₹4 lakh NIL slab and ₹12 lakh 87A rebate under the new regime.
- Auto applies standard deduction of ₹75,000 for salaried individuals.
- Calculates surcharge, cess, and rebate automatically.
- Supports all age categories — below 60, senior (60–80), and super senior (80+).
- Downloadable CSV report for your tax comparison summary.
- Fully mobile-friendly and works directly in your browser.
How to Use This Income Tax Calculator
- Enter your annual income (₹) in the input box.
- Select your age group (below 60, 60–80, 80+).
- Add deductions under 80C/80D/HRA etc. for the old regime.
- Click Calculate to see tax under both regimes.
- The tool will display total tax, cess, and which regime is better for you.
- You can also download your tax summary in CSV format.
Updated Income Tax Slabs for FY 2025–26
New Regime (After Budget 2025)
| Income Range (₹) | Tax Rate |
|---|---|
| Up to 4,00,000 | 0% |
| 4,00,001 – 8,00,000 | 5% |
| 8,00,001 – 12,00,000 | 10% |
| 12,00,001 – 16,00,000 | 15% |
| 16,00,001 – 20,00,000 | 20% |
| 20,00,001 – 24,00,000 | 25% |
| Above 24,00,000 | 30% |
Old Regime (Unchanged for FY 2025–26)
| Income Range (₹) | Tax Rate |
|---|---|
| Up to 2,50,000 | 0% |
| 2,50,001 – 5,00,000 | 5% |
| 5,00,001 – 10,00,000 | 20% |
| Above 10,00,000 | 30% |
Why Compare Old vs New Regime?
The old tax regime allows deductions under sections 80C, 80D, HRA, LTA, and other exemptions — ideal for those with investments and savings. The new tax regime offers lower rates but removes most deductions, making it simpler for people who prefer higher take-home pay without complex tax planning.
Key Tax Benefits at a Glance
- New Regime: NIL tax up to ₹4L, ₹12L rebate limit, flat structure.
- Old Regime: More deductions, ideal for taxpayers with housing, insurance, and investment benefits.
- Both include 4% Health & Education Cess and applicable surcharge.
Frequently Asked Questions (FAQs)
Q1. What’s new in FY 2025–26 tax rules?
The basic exemption limit under the new regime has been raised to ₹4 lakh and the 87A rebate extended up to ₹12 lakh. The old regime remains unchanged.
Q2. Which is better: old or new regime?
If your total deductions exceed ₹2–2.5 lakh, the old regime usually gives better savings. Otherwise, the new regime offers simpler compliance and lower rates.
Q3. Can I switch regimes every year?
Yes, salaried taxpayers can choose the regime each year before filing ITR, while business owners can switch with certain conditions.
Q4. Is this calculator accurate?
Yes. It includes updated FY 2025–26 slabs, standard deduction, cess, and surcharge as per latest budget announcements.
Q5. Is my data saved?
No. All calculations happen in your browser. Nothing is stored or shared.
Conclusion
The Income Tax Old vs New Regime Calculator for FY 2025–26 helps you make an informed choice and maximize your post-tax income. Try it now and instantly see which regime is better for you!
Updated: October 2025 • © tools.reviewers.in • Free Indian Tax Tools