Calculate income tax liability for FY 2025-26 under the new tax regime, including the 4% health & education cess and the Section 87A rebate.
Enter your gross annual income and this calculator computes both regimes side by side — new (FY 2025-26 slabs, ₹75,000 standard deduction, no other deductions allowed) and old (frozen slabs, ₹50,000 standard deduction, plus whatever you claim under Advanced options), each with the 4% health & education cess and its own Section 87A rebate threshold applied correctly.
Small business owners and proprietors should compare both regimes annually — under Advanced options, enter your Section 80C investments, 80D health insurance, Section 24(b) home loan interest, NPS 80CCD(1B) and any HRA exemption you've worked out, and the calculator tells you directly which regime wins and by how much.
Enter your deductions under Advanced options and the calculator computes both regimes and names the cheaper one directly — no need to estimate a crossover point yourself. As a rough guide, once total deductions (80C, 80D, HRA, home-loan interest) exceed roughly ₹3.75–4 lakh the old regime tends to win; below that the new regime's lower slabs usually do, but the exact crossover depends on your income level.
Under the new regime, taxable income up to the rebate threshold results in zero tax payable. This calculator shows slab tax plus cess; apply the rebate if your income falls under the threshold.
Surcharge applies above ₹50 lakh of income and is not included here — at that level, use a CA, not a web calculator.
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