Income Tax Calculator in Ahmedabad
Work out your income tax for FY 2025-26 (AY 2026-27) and instantly see whether the old or new regime leaves more in your pocket. Enter your gross income and, for the old regime, your deductions — the calculator compares both and shows your take-home either way.
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- No sign-up
- Private — on your device
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How it's calculated
The formula
Taxable income = gross − standard deduction − (old-regime deductions). Tax is the sum of each slab band × its rate; a Section 87A rebate zeroes the tax below the threshold (₹12 lakh new / ₹5 lakh old taxable). A 4% cess is added on the resulting tax.
Assumptions
- FY 2025-26 (AY 2026-27) resident-individual slabs below 60.
- Surcharge for very high incomes is not modelled.
- Deductions entered are assumed valid under the old regime.
Sources
Real-world scenarios
See exactly how the numbers play out in the situations people actually face — so there are no surprises before you commit.
₹15 lakh income: new vs old regime
On a ₹15 lakh income, the new regime applies lower slab rates but allows almost no deductions, while the old regime taxes more steeply but rewards your 80C, 80D, HRA and home-loan claims. This calculator runs both side by side so you can see which leaves more in your pocket.
How deductions tip the balance
The old regime only wins once your total deductions are large enough to offset its higher rates. With modest deductions the new regime usually comes out ahead; with a home loan, full 80C and HRA, the old one can pull back in front. Enter your real deductions to find your break-even.
The standard deduction both regimes give
Salaried taxpayers get a flat standard deduction in both regimes, so even the deduction-light new regime isn’t entirely without relief. Factor it in before deciding — and remember you can switch regimes each year as your deductions change.
Illustrative figures on standard reducing-balance / compounding assumptions — your actual numbers may vary.
Frequently asked questions
The details worth knowing before you rely on these numbers.
How is income tax calculated in India for FY 2025-26?
Tax is charged on your taxable income through progressive slabs. The new regime offers a ₹75,000 standard deduction with a full rebate up to ₹12 lakh taxable income; the old regime offers a ₹50,000 standard deduction plus deductions like 80C and HRA, with a rebate up to ₹5 lakh. A 4% health-and-education cess applies on the tax in both.
Which is better — old or new tax regime?
It depends on your deductions. If you claim large deductions (80C, 80D, HRA, home-loan interest), the old regime can win. If you have few deductions, the new regime's lower rates usually leave more in hand. This calculator computes both and tells you which wins.
What is the rebate under Section 87A?
Under the new regime for FY 2025-26, taxable income up to ₹12 lakh attracts zero tax thanks to the 87A rebate. Under the old regime, the rebate applies up to ₹5 lakh of taxable income.
What deductions are allowed under the new regime?
The new regime allows the standard deduction (₹75,000 for salaried) and employer NPS contributions, but not most popular deductions like 80C, 80D or HRA. If you rely on those, compare carefully.
Is the standard deduction included here?
Yes. The calculator applies ₹75,000 for the new regime and ₹50,000 for the old regime automatically before computing slab tax.
Is income up to ₹12 lakh really tax-free under the new regime?
For FY 2025-26, a resident individual pays zero tax on taxable income up to ₹12 lakh under the new regime, thanks to the enhanced Section 87A rebate — and a salaried person reaches that at about ₹12.75 lakh gross after the ₹75,000 standard deduction. Two caveats: the rebate does not apply to income taxed at special rates (such as equity LTCG), and marginal relief smooths the jump just above ₹12 lakh. This is an estimate; confirm with a tax professional.
Can I still save tax under the new regime?
Yes, though the levers are fewer. You keep the ₹75,000 standard deduction, and your employer’s contribution to NPS under Section 80CCD(2) — up to 14% of basic salary — remains deductible even in the new regime. Most personal deductions (80C, 80D, HRA) are available under the old regime only, so run both in this calculator before you choose.
What is the difference between TDS on my salary and my final tax?
TDS is tax your employer deducts through the year based on the regime and investment proofs you declare; your final tax is settled when you file your income-tax return. If too much was deducted you get a refund; if too little, you pay the balance. Declaring your chosen regime and proofs early keeps monthly TDS accurate.
Is this income tax calculator free?
Yes — free, no sign-up, and your inputs stay on your device. It is an estimate; consult a tax professional for filing.
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