Free Indian tax planning tool
Income Tax Calculator India FY 2025-26 / AY 2026-27
Estimate your Indian income tax, compare old and new tax regimes, check Section 87A rebate, view slab-wise tax, run salary what-if scenarios, and get tax-saving suggestions in one place.
Income details
Start with just your annual gross salary. Advanced deductions are optional and mainly useful for comparing the old tax regime.
Enter your gross salary before tax. Standard deduction of ₹75,000 is automatically applied under the new regime. Tip: If you already know your taxable income, add ₹75,000 to match the government calculator input.
Tip: If you already know your taxable income, add ₹75,000 here to compare with the Income Tax Department calculator.
Optional: interest income, rental income, freelance income, etc.
Why results differ from Income Tax portal?
This calculator uses gross salary and applies standard deduction automatically. Government calculator requires taxable income input.
Example: if your taxable income is ₹13,00,000 on the government calculator, enter ₹13,75,000 here so that this tool deducts ₹75,000 and reaches the same taxable income.
Old regime deductions
Keep simple defaults or open advanced fields to customize.
Simple mode assumes common old-regime deductions: 80C ₹1,50,000 and 80D ₹25,000.
Switch to Advanced if you want to add HRA, home loan interest, NPS, or other deductions.
Recommended option
New Tax Regime
Estimated annual tax is ₹0. Compared with the other regime, estimated saving is ₹1,11,800.
Annual tax
₹0
Estimated tax including cess.
Monthly tax
₹0
Approximate monthly tax outgo.
Taxable income
₹11,25,000
After standard deduction and eligible deductions.
Effective tax rate
0.00%
Total tax as percentage of gross income.
New regime estimate
Old regime estimate
New vs old regime
Compare estimated tax and taxable income under both regimes.
Tax breakup
Breakup for the recommended regime.
No tax applicable
Your recommended regime currently has zero tax after rebate, so there is no tax breakup to display.
Tax saving suggestions engine
Personalized planning ideas based on your current income and deduction inputs.
New regime currently looks better
HighYour estimated tax is lower under the new regime based on the current income and deduction inputs. This is common when old-regime deductions are limited.
₹1,11,800 estimated saving vs old regime
Review health insurance deduction under 80D
MediumMedical insurance premium for self/family and parents can improve old-regime deductions where applicable.
₹75,000 remaining 80D field capacity in this calculator
Consider additional NPS deduction if old regime is relevant
MediumEmployee NPS contribution under 80CCD(1B) can be useful when you are close to making the old regime better.
₹50,000 possible NPS field capacity
Add HRA exemption if you pay rent
MediumIf you receive HRA and pay rent, enter your calculated HRA exemption in Advanced mode to compare the old regime more accurately.
Can significantly improve old-regime result
What-if analysis
Estimate how salary increases or extra old-regime deductions may change your tax.
Used for what-if rows only.
Added to old-regime other deductions in one scenario.
| Scenario | New tax | Old tax | Best | Extra tax |
|---|---|---|---|---|
| Current income | ₹0 | ₹1,11,800 | New | ₹0 |
| Income + ₹1,00,000 | ₹66,300 | ₹1,40,400 | New | ₹66,300 |
| Income + ₹2,00,000 | ₹81,900 | ₹1,71,600 | New | ₹81,900 |
| Old regime + ₹50,000 deduction | ₹0 | ₹1,01,400 | New | ₹0 |
Tax slab breakdown
Showing slab-wise tax calculation for the recommended regime.
| Income slab | Amount in slab | Rate | Tax |
|---|---|---|---|
| ₹0 - ₹4,00,000 | ₹4,00,000 | 0% | ₹0 |
| ₹4,00,000 - ₹8,00,000 | ₹4,00,000 | 5% | ₹20,000 |
| ₹8,00,000 - ₹12,00,000 | ₹3,25,000 | 10% | ₹32,500 |
Recommended regime summary
Important note
This calculator is designed for quick planning and educational use. It does not cover every special case such as capital gains, foreign income, agricultural income, special-rate income, employer NPS rules, senior citizen slabs, or business tax audit cases.
Tax rules may change by financial year. Confirm final liability with Form 16, AIS/TIS, income tax portal data, or a tax professional before filing.
How this income tax calculator works
Enter your annual gross salary or income. The calculator applies standard deduction and calculates tax under both new and old tax regimes.
It then compares total tax, cess, monthly tax, taxable income and effective tax rate to recommend the lower-tax option.
Tax saving suggestions
The tool checks unused old-regime deduction fields such as Section 80C, 80D, NPS, HRA and other deductions.
It also highlights whether the new or old regime currently gives lower estimated tax.
What-if analysis
Use salary increase and extra deduction scenarios to estimate how future income or tax planning may affect your tax liability.
This is useful for salary negotiation, investment planning and choosing between old vs new tax regime.
Income tax calculator India: FY 2025-26 guide
This calculator is designed for Indian individual taxpayers who want a quick estimate for FY 2025-26 / AY 2026-27. It is especially useful for salaried users because it applies standard deduction automatically and clearly shows taxable income.
The new tax regime is the default regime and is generally simpler. The old tax regime can still be useful when you have eligible deductions such as Section 80C, Section 80D, HRA, home loan interest or NPS.
For SEO and user trust, this page explains why results may differ from the government income tax calculator: this SmartTools calculator accepts gross salary, while the government calculator usually asks for net taxable income.
Use this tool for planning only. Final tax filing should be verified with Form 16, AIS/TIS, the official income tax portal, or a qualified tax professional.
Frequently asked questions
Which regime is better: old or new?
The new regime is usually simpler and may be better when you do not claim many deductions. The old regime may be better if you have deductions like 80C, 80D, HRA, home loan interest or NPS.
Why does my result differ from the Income Tax Department calculator?
This calculator uses gross salary and applies standard deduction automatically. Government calculator requires taxable income input. To compare both, use equivalent taxable income after standard deduction.
Is standard deduction included?
Yes. This calculator automatically applies standard deduction for salary-style estimation and shows the amount in the result summary.
Does this calculator file my ITR?
No. It only estimates your tax. It does not file returns, store personal data, or upload documents.
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