Income Tax Calculator (India)
This income tax calculator estimates your actual India income tax liability, letting you model real Section 80C, 80D and HRA deductions under the old regime rather than just toggling between regimes on gross income alone. Enter your gross annual income, pick a regime, and — if you're on the old regime — your specific deduction amounts to see your taxable income, tax and effective rate.
Your total annual income before any deductions or exemptions.
The new regime has lower rates and a bigger standard deduction, but no 80C/80D/HRA exemptions.
EPF, PPF, ELSS, life insurance premiums and other eligible investments. Only applies under the old regime, capped at ₹1,50,000.
Premiums paid for health insurance. Only applies under the old regime — this calculator uses a simplified ₹75,000 combined cap; see the FAQ for how real rules vary by age.
Only applies under the old regime. Use RupeeHunt's HRA Exemption Calculator first to work out this figure precisely, then enter it here.
Income tax + cess
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80C + 80D + HRA — always ₹0 under the new regime, which doesn't allow these deductions.
How to use this income tax calculator
- 1Gross annual income: your total income before any deductions or exemptions.
- 2Regime: the new regime has lower slab rates and a bigger standard deduction but disallows 80C/80D/HRA; the old regime has higher rates but allows those deductions to reduce taxable income.
- 3Section 80C, Section 80D, HRA exemption: only relevant if you selected the old regime — these fields are ignored (and total deductions show ₹0) under the new regime, since new-regime law doesn't allow them. Use the HRA Exemption Calculator first to work out your HRA figure precisely.
Understanding your results
Taxable income is your gross income minus the regime's standard deduction, and — under the old regime only — your capped 80C, 80D and HRA deductions. Total deductions applied shows exactly how much those three deductions reduced your taxable income (always ₹0 under the new regime). Income tax + cess is your final liability: progressive slab tax plus 4% health and education cess, after the Section 87A rebate zeroes out tax below the regime's rebate ceiling. Effective tax rate expresses that liability as a percentage of your gross income.
The formula
Taxable income = Gross income − Standard deduction − (Old regime only: min(80C,₹1,50,000) + min(80D,₹75,000) + HRA)The new regime subtracts only the ₹75,000 standard deduction from gross income — no 80C, 80D or HRA allowed, in exchange for lower slab rates and a ₹12,00,000 rebate ceiling. The old regime subtracts a smaller ₹50,000 standard deduction but then also subtracts your capped Section 80C investments (up to ₹1,50,000), capped Section 80D health insurance premium (up to ₹75,000 in this calculator's simplified combined cap), and your HRA exemption amount. If the resulting taxable income is at or below the regime's Section 87A rebate ceiling, tax is zero; otherwise tax is calculated across the regime's progressive slabs, then 4% cess is added.
A worked example
At ₹15,00,000 gross income: under the new regime, taxable income is ₹14,25,000 (after the ₹75,000 standard deduction) — above the ₹12,00,000 rebate ceiling, so slab tax applies: 5% on ₹4,00,000–₹8,00,000, 10% on ₹8,00,000–₹12,00,000, and 15% on the remaining ₹2,25,000, totaling ₹93,750, plus 4% cess brings it to ₹97,500 (a 6.5% effective rate). Under the old regime with ₹1,50,000 in 80C, ₹25,000 in 80D and a ₹1,00,000 HRA exemption (₹2,75,000 in total deductions), taxable income is ₹11,75,000 — above the ₹5,00,000 old-regime rebate ceiling, so slab tax applies: 5% on ₹2,50,000–₹5,00,000, 20% on ₹5,00,000–₹10,00,000, and 30% on the remaining ₹1,75,000, totaling ₹1,65,000, plus 4% cess brings it to ₹1,71,600 (an 11.44% effective rate). Even with meaningful deductions, the new regime comes out ahead here — showing why most filers with moderate deductions do better under it.
Things to know
This calculator's numbers follow FY 2025-26 (Budget 2025) CBDT slabs: the new regime uses ₹0–4L (nil), 5% to ₹8L, 10% to ₹12L, 15% to ₹16L, 20% to ₹20L, 25% to ₹24L, and 30% above, with a ₹75,000 standard deduction and a ₹12,00,000 Section 87A rebate ceiling. The old regime uses ₹0–2.5L (nil), 5% to ₹5L, 20% to ₹10L, and 30% above, with a ₹50,000 standard deduction and a ₹5,00,000 rebate ceiling. Section 80D's real rules are more granular than this calculator's simplified cap — see the FAQ below. Always verify current figures against official CBDT guidance, since slabs and caps can change with each Union Budget.
Frequently asked questions
Why does total deductions show ₹0 when I select the new regime?+
This isn't a bug — the new tax regime genuinely disallows Section 80C, 80D and HRA exemptions by law, in exchange for lower slab rates and a larger standard deduction. Your entered amounts are only applied when you select the old regime.
When does the old regime actually work out better than the new regime?+
Typically when your total deductions are large — a full ₹1,50,000 in 80C, a meaningful HRA exemption, and significant home loan interest (not modeled in this calculator) can together outweigh the new regime's lower rates. As a rough guide, if your combined eligible deductions comfortably exceed roughly ₹4–5 lakh, it's worth comparing both regimes carefully before you commit for the year.
Is the Section 80D cap really a flat ₹75,000?+
No — this calculator uses a simplified combined cap for self and parents. The real Section 80D limits are age-based: typically up to ₹25,000 for self/family (under 60) plus up to ₹50,000 for senior-citizen parents, or higher combined limits if you or your parents are senior citizens. Check current CBDT guidance for the exact limits that apply to your household.
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