Income Tax Calculator
Calculate your income tax for FY 2025-26 under the new & old tax regime with full breakdown.
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Multi-regime fiscal computation matrix. Real-time audit of tax liability across progressive slabs and deduction brackets.
The 2026 Fiscal Vector
02The 2025-26 budget represents a paradigm shift in Indian taxation. With the New Regime now acting as the default, the slabs have been widened significantly. Standard deduction is now ₹75,000, and the effective zero-tax threshold has moved to ₹12 Lakhs through Section 87A rebates.
Our engine simulates these complex interactions instantly, ensuring your financial planning is aligned with the absolute latest legislative updates.
Optimization Logic
03Choosing a regime is a multi-dimensional problem. You must balance the immediate liquidity of lower New Regime rates against the long-term wealth creation of Old Regime deductions like 80C (PPF/ELSS). If your total deductions exceed ₹3.75 Lakhs, the Old Regime typically remains the mathematical victor.
The ₹12L Strategy
If your income is exactly ₹12,0,000, the New Regime results in zero tax. Any income above this triggers tax on the entire amount from the ₹4L slab, creating a 'cliff' effect. Use our calculator to find your exact break-even point.
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Verified Solutions v2.0
Is standard deduction available in both regimes?
Yes, for FY 2025-26, a standard deduction of ₹75,000 is available in the New Regime and ₹50,000 in the Old Regime for salaried individuals.
Can I switch regimes for past years?
No, the regime choice is made at the time of filing for the relevant assessment year. However, salaried individuals can switch between regimes every year.