Income Tax Calculator FY 2025-26: Old vs New Regime Comparison

Annual Gross Income (CTC / Salary):

Deductions under Old Regime (80C, 80D, HRA):

Regime Comparison & Recommendation

New Tax Regime

₹ 67,600

Old Tax Regime

₹ 117,000

💡 Suggestion: New Tax Regime saves you ₹ 49,400!

Navigating the differences between the Old Tax Regime and the revised New Tax Regime (Section 115BAC) requires comparing deductions against lower slab rates. 99tools Income Tax Calculator delivers a side-by-side comparison for salaried and self-employed professionals with updated Budget slabs, Section 87A rebate, and standard deductions.

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Side-by-Side Slabs

Compare tax brackets under both regimes to pick the option that minimizes your net annual tax outgo.

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Deductions & Exemptions

Includes standard deduction (₹75,000 / ₹50,000), Section 80C (PPF, ELSS, EPF), and Section 80D medical health premiums.

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100% Confidential

Your CTC and salary figures remain entirely in your private browser memory. Zero cloud data storage.

Quick Guide

How to Use Income Tax Calculator FY 2025-26: Old vs New Regime Comparison in 3-4 Simple Steps

Enter Gross Income

Input your annual CTC or gross taxable salary before deductions.

Add Eligible Deductions

Input eligible Section 80C investments, health insurance (80D), and HRA exemptions.

Compare Tax Regimes

Examine the side-by-side breakdown of tax liability between the Old and New tax regimes.

Choose the Lowest Tax Option

Select the tax regime that delivers the maximum tax savings for your income bracket.

Need Help?

Frequently Asked Questions

Everything you need to know about this tool, accuracy, formulas, and privacy.

Which tax regime is better: Old or New?

The New Tax Regime offers lower tax slab rates but disallows most exemptions (like 80C, 80D, and HRA). If your total deductions exceed ₹3.75 Lakhs, the Old Regime is generally more beneficial; otherwise, the New Regime often yields higher savings.

What is the standard deduction in the New Tax Regime?

Under Budget updates, salaried individuals receive an enhanced Standard Deduction of ₹75,000 under the New Tax Regime and ₹50,000 under the Old Regime.

Is income up to ₹7 Lakhs tax-free in India?

Yes, under Section 87A rebate in the New Tax Regime, resident individuals with taxable income up to ₹7 Lakhs pay zero net income tax.