India Income Tax Calculator FY 2025-26
Switch between the new and old regime to see which one leaves more money in your hands.
Tax year FY 2025-26 · INR
India take-home pay calculator
Results update instantly as you type — no button to press.
₹12,00,000/ year
Monthly
₹1,00,000
Weekly
₹23,077
₹0
0.0%
Where the money goes
| Item | Annual | Monthly | % of gross |
|---|---|---|---|
| Gross salary | ₹12,00,000 | ₹1,00,000 | 100% |
| Net take-home | ₹12,00,000 | ₹1,00,000 | 100.0% |
Estimates for a standard employee using published FY 2025-26 rates. Personal reliefs, credits, pension contributions and local levies can change your actual figure.
About this calculator
India now runs two parallel income tax systems. The new regime offers wider slabs and lower rates but almost no deductions; the old regime keeps higher rates alongside deductions such as 80C, 80D, HRA and home loan interest. Choosing wrongly can cost tens of thousands of rupees a year.
This calculator applies the FY 2025-26 slabs for whichever regime you select, subtracts the applicable standard deduction (₹75,000 under the new regime, ₹50,000 under the old), applies the Section 87A rebate where eligible, and adds the 4% health and education cess that sits on top of every tax liability.
Under the new regime, salaried taxpayers with income up to roughly ₹12.75 lakh end up paying no tax at all once the standard deduction and rebate are applied — a key reason most salaried employees have moved across.
How the India calculation works
The new regime slabs for FY 2025-26 start at nil up to ₹4 lakh, then rise in steps of 5%, 10%, 15%, 20% and 25% before reaching 30% above ₹24 lakh. The Section 87A rebate wipes out tax entirely for taxable income up to ₹12 lakh.
The old regime uses four slabs — nil to ₹2.5 lakh, 5% to ₹5 lakh, 20% to ₹10 lakh and 30% above — but allows deductions the new regime does not. It only wins when your total deductions are large, typically above ₹4 lakh combining 80C, 80D, HRA and home loan interest.
- New regime standard deduction of ₹75,000 for salaried taxpayers.
- Old regime standard deduction of ₹50,000, plus deductions you claim separately.
- Section 87A rebate up to ₹60,000 (new regime) or ₹12,500 (old regime).
- Health and education cess of 4% applied to the tax payable.
- Surcharge on very high incomes above ₹50 lakh is not modelled here.
- Employee provident fund and professional tax are deducted separately by your employer.