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Income Tax Calculator 2025-26

Compare Old vs New Tax Regime — see which saves you more tax

Income Details

Deductions (for Old Regime comparison)

Common Deductions

PPF, ELSS, LIC (max ₹1.5L)
Health Insurance (max ₹25K-₹1L)
NPS (max ₹50K)
Max ₹2,00,000

New Regime (2025-26)

₹0
Total Tax Payable

Old Regime

₹0
Total Tax Payable

Slab-wise Breakdown — New Regime

Income SlabRateTax

Slab-wise Breakdown — Old Regime

Income SlabRateTax

How Income Tax is Calculated

Income tax in India is calculated on your total income after deductions. You can choose between Old and New Tax Regime each financial year.

New Regime Tax Slabs (FY 2025-26)

Up to ₹4,00,000 — Nil
₹4,00,001 to ₹8,00,000 — 5%
₹8,00,001 to ₹12,00,000 — 10%
₹12,00,001 to ₹16,00,000 — 15%
₹16,00,001 to ₹20,00,000 — 20%
₹20,00,001 to ₹24,00,000 — 25%
Above ₹24,00,000 — 30%

Standard Deduction: ₹75,000 | Rebate u/s 87A: Full rebate up to ₹12,75,000 taxable income

Old Regime Tax Slabs

Up to ₹2,50,000 — Nil (₹3L for seniors, ₹5L for super-seniors)
₹2,50,001 to ₹5,00,000 — 5%
₹5,00,001 to ₹10,00,000 — 20%
Above ₹10,00,000 — 30%

Standard Deduction: ₹50,000 | Deductions: 80C, 80D, HRA, 24(b) etc.

Frequently Asked Questions

What are the new tax slabs for FY 2025-26?
New Regime: Up to ₹4L nil, ₹4-8L at 5%, ₹8-12L at 10%, ₹12-16L at 15%, ₹16-20L at 20%, ₹20-24L at 25%, above ₹24L at 30%. Standard deduction of ₹75,000 and rebate under 87A for taxable income up to ₹12,75,000.
Which regime is better — Old or New?
If your total deductions exceed ₹3-4 lakhs, Old Regime may be better. Use the calculator above to compare both and see your exact savings. The New Regime is simpler with lower rates but no deductions.
What deductions are available under Old Regime?
Key deductions: 80C up to ₹1.5L (PPF, ELSS, insurance), 80D up to ₹25K-₹1L (health insurance), HRA exemption, home loan interest up to ₹2L (Sec 24), NPS up to ₹50K (80CCD(1B)), and standard deduction of ₹50,000.
Is surcharge applicable?
Yes, for income above ₹50L: 10% surcharge for ₹50L-₹1Cr, 15% for ₹1-2Cr, 25% for ₹2-5Cr. Plus 4% Health & Education Cess on total tax including surcharge.

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What is an income tax calculator?

An income tax calculator estimates the tax you owe for a financial year by applying the applicable slab rates to your taxable income after deductions, rebate and cess.

SnoopTool's calculator compares India's old and new tax regimes side by side so you can see, in one screen, which one leaves more money in hand. Everything is computed locally in the browser — no PAN, salary or income data is uploaded.

Income Tax Calculator: key facts

Reference facts for the SnoopTool Income Tax Calculator, a free browser-based tool.
Regimes comparedOld regime (with deductions) vs new regime (lower slabs, fewer deductions)
Health & education cess4% on the tax payable, in both regimes
Key old-regime deductions80C, 80D, HRA, standard deduction, home-loan interest
Default regime in IndiaThe new regime is the default; the old regime must be opted into
CostFree, no sign-up, calculations stay on your device

Why use the SnoopTool Income Tax Calculator?

How to use the Income Tax Calculator (step by step)

  1. Enter your gross annual income. Include salary, bonus and any other taxable income.
  2. Add your deductions. Enter 80C, 80D, HRA and any other eligible deductions for the old regime.
  3. Pick the financial year. Slab rates differ by year, so choose the one you are filing for.
  4. Compare the two regimes. Read the tax payable under each regime and choose the lower figure.

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