Income Tax Calculator India · New Regime FY 2025-26

Annual income in — slab-wise tax, Section 87A rebate, 4% cess and monthly take-home out. Live as you type.

Live — results appear as you type
Total tax payable (incl. cess)
Taxable Income
Tax Before Cess
87A Rebate
Health & Edu Cess (4%)
Effective Tax Rate
Monthly Take-Home*

*Take-home = (gross − tax) ÷ 12, before PF/professional tax/other deductions.

SlabRateTax in this slab

New Regime Slabs (FY 2025-26 / AY 2026-27)

Taxable incomeRate
Up to ₹4,00,0000%
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%

Salaried taxpayers deduct a ₹75,000 standard deduction first. Then slab tax applies, the Section 87A rebate wipes out tax for taxable incomes up to ₹12 lakh (with marginal relief just above it), and 4% cess is added on what remains. Result: salaried income up to ₹12.75 lakh is effectively tax-free.

This calculator covers the new regime (the default). The old regime with 80C/HRA deductions can still win if your deductions are large. Planning investments to grow that take-home? Try the SIP Calculator.

Frequently Asked Questions

What are the new regime income tax slabs?
0% up to ₹4L, 5% for ₹4–8L, 10% for ₹8–12L, 15% for ₹12–16L, 20% for ₹16–20L, 25% for ₹20–24L, 30% above ₹24L — plus ₹75,000 standard deduction for salaried.
Why is income up to ₹12 lakh effectively tax-free?
The Section 87A rebate cancels all tax when taxable income ≤ ₹12 lakh. With the standard deduction, salaried income up to ₹12.75 lakh → zero tax.
What is the 4% cess?
Health & Education Cess: 4% added on your computed tax (after rebate). ₹60,000 tax → ₹2,400 cess → ₹62,400 total.
Old regime vs new regime — which is better?
New regime: lower rates, minimal deductions (now the default). Old regime: higher rates but keeps 80C/HRA/home-loan deductions — worth it only if you claim large deductions.