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🇮🇳 FY 2024-25 · AY 2025-26 · India

Income Tax Calculator

Income Tax Calculator: Compare Old and New Regime in real time — see exact tax savings, deductions, and which regime suits you best.

Income Tax Calculator 2024-25 New Tax Regime Old Tax Regime Salary Tax Calculator India 80C Deduction HRA Calculator Tax Savings Calculator
FY 2024-25 Comparison

Calculate your income tax instantly

Adjust your salary and investment sliders below to instantly compare your tax liability under the Old and New Tax Regimes. The calculator applies correct FY 2024-25 slab rates, standard deduction, Section 87A rebate, and 4% Health & Education Cess.

Recommended regime
New Regime
Annual tax savings
₹0
Monthly take-home boost
₹0/mo
New Regime recommended
Based on your income and deductions, the new tax regime saves you more. It offers lower slab rates and a ₹75,000 standard deduction with zero paperwork.
Old Tax Regime
Tax payable incl. 4% cess
  • Gross income
  • Standard deduction−₹50,000
  • 80C + NPS + HRA + 80D + 24(b)
  • Taxable income
  • Base tax
  • 87A rebate
  • Total tax (+ 4% cess)
New Tax Regime Default
Tax payable incl. 4% cess
  • Gross income
  • Standard deduction−₹75,000
  • Taxable income
  • Base tax
  • 87A rebate (≤₹7L)
  • Total tax (+ 4% cess)
FY 2024-25 · AY 2025-26

Income Tax Slabs

For resident individuals below 60 years of age. A 4% Health & Education Cess applies on the final tax liability in both regimes. Section 87A rebate available for taxable income up to ₹5L (old) and ₹7L (new).

Old Regime Old Tax Regime — Slab Rates
Income rangeTax rateTax on slab
Up to ₹2,50,000Nil₹0
₹2,50,001 – ₹5,00,0005%₹12,500
₹5,00,001 – ₹10,00,00020%₹1,00,000
Above ₹10,00,00030%30% on excess

87A rebate: full rebate if taxable income ≤ ₹5,00,000 (max ₹12,500)

New Regime New Tax Regime — Slab Rates
Income rangeTax rateTax on slab
Up to ₹4,00,000Nil₹0
₹4,00,001 – ₹8,00,0005%₹20,000
₹8,00,001 – ₹12,00,00010%₹40,000
₹12,00,001 – ₹16,00,00015%₹60,000
₹16,00,001 – ₹20,00,00020%₹80,000
₹20,00,001 – ₹24,00,00025%₹1,00,000
Above ₹24,00,00030%30% on excess

87A rebate: full rebate if taxable income ≤ ₹7,00,000

Old Regime Planning

Tax Deductions Guide

The Old Regime allows a wide range of deductions to reduce your taxable income. The New Regime allows only Standard Deduction (₹75,000) and employer's NPS contribution. Plan your investments accordingly.

Salary & mandatory deductions

StandardBoth regimes
Standard Deduction
₹75,000 (New) / ₹50,000 (Old)
Flat deduction from salary income. No proof needed.
80CCD(2)Both regimes
Employer NPS Contribution
Up to 10% of Basic Salary
Only employer's contribution. No limit if govt. employee (14%).
16(iii)Both regimes
Professional Tax
Actual (Max ₹2,400/yr)
State-specific. Deducted from salary by employer.

Investment deductions (Section 80C & related)

Sec 80COld only
ELSS / PPF / EPF / LIC / NSC / SSY
Up to ₹1,50,000
Most popular tax-saving section. All instruments combined.
80CCD(1B)Old only
NPS — Self Contribution
Up to ₹50,000
Over and above the ₹1.5L 80C limit. Tier-I account only.
80CCCOld only
Pension Fund Premium
Within ₹1,50,000 (80C)
Annuity plan of LIC or approved insurer.

Allowances & housing

HRAOld only
House Rent Allowance
Least of: Actual HRA / Rent−10% salary / 50%(metro) or 40% basic
Need rent receipts and landlord PAN if rent > ₹1L/yr.
Sec 24(b)Old only
Home Loan Interest
Up to ₹2,00,000
Self-occupied property. No limit for let-out (with restrictions).
LTAOld only
Leave Travel Allowance
Actual travel cost
2 trips in a 4-year block. Domestic travel only. No hotel/food.

Insurance & medical

Sec 80DOld only
Health Insurance Premium
₹25,000 self + ₹50,000 parents (senior)
Self & family: ₹25K. Parents <60 yrs: ₹25K. Parents ≥60 yrs: ₹50K.
80DDOld only
Disabled Dependent
₹75,000 / ₹1,25,000 (severe)
For maintenance of a disabled dependent. Fixed deduction.
80DDBOld only
Specified Disease Treatment
Up to ₹40,000 (₹1L for seniors)
Cancer, neurological diseases etc. Certificate from specialist required.

Loans, education & others

Sec 80EOld only
Education Loan Interest
Full interest paid (8 yrs)
Self, spouse, children or student for whom you're guardian.
80GOld only
Donations to Charities
50% or 100% of donation
Approved funds only. PM Relief Fund: 100%. Most charities: 50%.
80TTAOld only
Savings A/c Interest
Up to ₹10,000
Interest from savings bank accounts. (80TTB: ₹50K for seniors)
Got Questions?

Tax Calculator — FAQs

Everything you need to know about comparing Old vs New Tax Regime for FY 2024-25. These are the most searched tax questions from salaried employees in India.