Income Tax Calculator (FY 2025-26)
Compare old vs new tax regime and find which saves you more.
Standard deduction: ₹50,000 (old) / ₹75,000 (new) applied automatically. Deductions apply only to old regime.
Results
New regime saves you ₹39,000
OLD REGIME
Taxable income
₹12,75,000
Tax payable
₹1,36,500
Monthly take-home
₹1,13,625
NEW REGIME
Taxable income
₹14,25,000
Tax payable
₹97,500
Monthly take-home
₹1,16,875
Based on FY 2025-26 tax slabs. Includes 4% cess. This is indicative only — consult a tax professional for exact calculation.
Track your tax-saving investments in FlowTrack
FlowTrack's Financial Health Score includes tax efficiency as one of 10 indicators. Track your 80C, 80D, and NPS investments in one place.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
Old vs New Tax Regime: Which is better for FY 2025-26?
The Indian income tax system offers two regimes. The old regime allows deductions under Sections 80C, 80D, HRA, and others, but has higher base tax rates. The new regime offers lower tax rates and a higher standard deduction (₹75,000) but removes most deductions.
For FY 2025-26, the new regime is the default. It benefits those who don't have significant deductions. However, if you have substantial HRA claims, 80C investments, home loan interest, and health insurance premiums, the old regime may still save you more.
This calculator compares both regimes side-by-side so you can see exactly which one results in lower tax and higher take-home pay. Enter your CTC and deductions to get a clear recommendation.