Compare Indian income tax under the new and old regimes for FY 2026-27.
Marginal relief near ₹12 lakh and surcharge for very high incomes are not modeled.
Please do not make financial decisions based on these results.
What is the Income Tax Calculator India?
Compare Indian income tax under the new and old regimes for FY 2026-27. To use the Income Tax Calculator India, enter annual salary income, deductions under old regime; it returns tax under new regime, tax under old regime, better regime, and shows them instantly as you type.
Using India and Pakistan finance tools
For borrowing, the EMI calculator gives the monthly payment and total interest for any loan, and the Home Loan EMI Calculator adds the down payment. For investing, compare SIP with lump sum and check retirement income with the NPS calculator.
Tax tools differ by country. Use the India calculator to compare the new and old regimes, the Pakistan calculator for salaried slabs, and the zakat calculator to work out the 2.5% due above the nisab.
- Savings schemes. PPF, EPF, Sukanya Samriddhi, RD and the Post Office MIS use editable interest rates.
- Pension. Atal Pension Yojana and NPS show contributions and expected income.
How to use the Income Tax Calculator India
- Enter your numbers. Start with Annual salary income (₹), Deductions under old regime (80C, HRA etc.) (₹). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Tax under new regime, and the cards below show Tax under old regime, Better regime. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Income Tax Calculator India using the default values shown in the calculator above:
Inputs
| Annual salary income (₹) | 1,500,000 |
|---|---|
| Deductions under old regime (80C, HRA etc.) (₹) | 250,000 |
Results
| Tax under new regime | ₹97,500 |
|---|---|
| Tax under old regime | ₹1,79,400 |
| Better regime | New regime |
With these inputs the calculator returns Tax under new regime: ₹97,500. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Annual salary income (₹) from 1,500,000 to 1,800,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Tax under new regime | ₹97,500 | ₹1,50,800 | +54.7% |
| Tax under old regime | ₹1,79,400 | ₹2,73,000 | +52.2% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Income Tax Calculator India reports Tax under new regime, tax under old regime and better regime. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
Which regime is better?
The new regime suits people with few deductions; the old suits those with large HRA, 80C and home loan deductions.
Are PPF, EPF and SSY rates fixed?
No. The government revises small-saving rates quarterly and EPF yearly, so the rate is an input you can edit.
Which tax year do the India and Pakistan tools use?
India uses the FY 2026-27 slabs. Pakistan uses the FY 2026-27 slabs enacted by the Finance Act 2026, with FY 2025-26 available for comparison. Confirm the final rules with FBR or the Income Tax Department.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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