Toolzed

Income Tax Calculator India (FY 2025-26)

Estimate income tax under the new and old regimes for FY 2025-26 (AY 2026-27): current slabs, section 87A rebate and 4% cess. Free, private, official sources cited.

Runs 100% on your device - nothing you enter or upload leaves your browser.

How to use the income tax calculator

Enter your annual taxable income (after deductions you plan to claim). Tax under both regimes appears side by side: slab-by-slab breakdown, 87A rebate, and the 4% cess.

Method and sources

Slabs follow the official income tax portal's rate tables for the new regime u/s 115BAC and the old regime (incometax.gov.in, checked 27 October 2026): new regime 0-4L nil, 4-8L 5%, 8-12L 10%, 12-16L 15%, 16-20L 20%, 20-24L 25%, above 24L 30%; section 87A rebate ₹60,000 when taxable income is up to ₹12,00,000 (old regime ₹12,500 up to ₹5,00,000), plus 4% Health and Education cess. Budgets change rates - verify the figures for your assessment year before filing. This tool is an estimator, not tax advice.

Privacy

Income figures never leave this page. All calculations happen on your device.

Frequently asked questions

Which regime is better for me?
It depends on your deductions. The new regime offers lower slab rates and a full rebate up to ₹12 lakh taxable income, but disallows most deductions; the old regime allows deductions like 80C and HRA. This tool compares the two on taxable income - run both with your actual post-deduction figures.
What is the ₹12 lakh tax-free limit?
Under the new regime for FY 2025-26, a resident individual with taxable income up to ₹12,00,000 gets a section 87A rebate of up to ₹60,000, making the tax zero. Just above ₹12 lakh, marginal relief caps the tax at the excess over ₹12 lakh.
Are cess and surcharge included?
The 4% Health and Education cess is included. Surcharge (which applies above ₹50 lakh) and marginal relief on surcharge are not - results above that level are understated.
Is my income stored anywhere?
No. Everything is calculated in your browser; nothing is saved or sent anywhere.

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