Income Tax Calculator
Estimate your income tax under the new or old regime with cess and surcharge.
Enter your details
How it is calculated
Tax = slab-wise tax − rebate u/s 87A (new regime: nil tax up to ₹12,00,000 taxable income, with marginal relief just above; old regime: up to ₹12,500 for taxable income up to ₹5,00,000) + surcharge (income above ₹50 lakh, capped at 25% in the new regime) .
Total tax = (tax − rebate + surcharge) × 1.04 (4% health and education cess).
Worked example
Salaried, age 35, gross salary ₹15,00,000, new regime FY 2025-26: taxable = 15,00,000 − 75,000 = ₹14,25,000. Slab tax = 0 + 20,000 (4-8L @5%) + 40,000 (8-12L @10%) + 33,750 (12-14.25L @15%) = ₹93,750. Rebate does not apply (income above ₹12 lakh and the marginal-relief cap is not met). Cess 4% = ₹3,750. Total ≈ ₹97,500.
About the Income Tax Calculator
Estimate your income tax under the new or old regime with cess and surcharge. This free tax tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for financial year, tax regime, age of taxpayer, annual gross salary / pension, other income (interest, rent, etc.), basic salary + da per year (optional) and a few more details. Optional switches: parents are senior citizens (60+). Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Which regime is applied if I do not choose?
The new regime is the default for individuals and HUFs. You can opt for the old regime; salaried taxpayers can switch every year, while those with business income have limited switches. Use the Old vs New Regime Calculator to see which costs less.
Is there really no tax up to ₹12 lakh?
Under the new regime, a resident individual with taxable income up to ₹12,00,000 pays no tax because of the ₹60,000 rebate u/s 87A. For a salaried person that is about ₹12,75,000 gross, after the ₹75,000 standard deduction. The rebate does not cover special-rate capital gains.
Why is my result rounded to ₹10?
Sections 288A and 288B round taxable income and tax payable to the nearest ten rupees. The calculator follows that rule so that the figure matches the return utility.
Does this include capital gains or business income?
No. Use the capital gains calculators for share, mutual-fund and property sales. Business or professional income can be added in "Other income" for an estimate, but presumptive and audit rules are not applied.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.