Indian Income Tax Calculator (Old vs. New Regime)

Indian Income Tax Calculator computes tax under both the old and new regimes and tells you which one costs less — the single most common tax question in India since the new regime became the default. The new regime offers lower slab rates but disallows most deductions; the old regime keeps higher rates while letting you claim 80C, 80D, HRA and the rest. The tool applies each regime’s slabs, the standard deduction available to salaried filers under both, the section 87A rebate that makes income up to ₹12 lakh effectively tax-free under the new regime, surcharge for higher incomes, and the 4% health and education cess. Both results appear side by side with a verdict naming the winner and the saving. Since the answer depends entirely on how many deductions you can genuinely claim, a single deductions field lets you test the crossover point directly.

Key Features

• Both Regimes Side by Side

  Full calculation under new and old regimes with a verdict naming the cheaper option and the saving in rupees.

• Section 87A Rebate

  Applies the rebate that makes income up to ₹12 lakh tax-free under the new regime, and the smaller old-regime rebate.

• Standard Deduction Handling

  Applies the correct standard deduction for salaried filers under each regime, with a toggle for non-salaried income.

• Surcharge and Cess

  Adds surcharge for higher incomes, capped at 25% under the new regime, and the 4% health and education cess on top.

• Deduction Crossover Testing

  A single deductions field lets you find how many deductions you need before the old regime wins.

• Slab Table for the Winner

  Shows income and tax in each slab for whichever regime came out ahead.

1. 1

   Enter your gross annual income

   Total income before any deductions.

2. 2

   Enter your total deductions

   Combine 80C, 80D, HRA and other eligible deductions into one figure. These only count under the old regime.

3. 3

   Set whether you are salaried

   Salaried filers get the standard deduction under both regimes; business income does not.

4. 4

   Read the verdict

   The tool names the cheaper regime and the saving in rupees.

5. 5

   Compare the two panels

   See slab tax, rebate, surcharge, cess and total for each regime, plus the winning regime’s slab table.

Explore these tools that work great alongside Indian Income Tax Calculator (Old vs. New Regime):