Income Tax New Regime Calculator
Enter your gross annual salary and any NPS deductions allowed in the new regime to estimate your taxable income and income tax at the FY 2025-26 new regime slabs — free, private and instant.
What is an income tax new regime calculator?
A income tax new regime calculator (new tax regime calculator) estimates the tax you owe on salary under India’s new regime, the default from FY 2025-26. It subtracts the ₹75,000 standard deduction and any allowed deduction such as employer NPS under 80CCD(2) from your gross salary, then runs the result through the new regime slabs to give your taxable income and tax estimate.
The new regime lowers slab rates but removes most deductions, so the math is simpler and this free tool shows your projected tax in seconds. It runs entirely in your browser, so no salary details leave your device.
How to use
- Enter your gross annual salary from your Form 16.
- Enter the employer NPS contribution under 80CCD(2), if any.
- Click Calculate Tax to see your taxable income and tax estimate.
New regime slabs (FY 2025-26)
Up to ₹4,00,000 · 0% ₹4,00,001 – ₹8,00,000 · 5% ₹8,00,001 – ₹12,00,000 · 10% ₹12,00,001 – ₹16,00,000 · 15% ₹16,00,001 – ₹20,00,000 · 20% ₹20,00,001 – ₹24,00,000 · 25% Above ₹24,00,000 · 30%
Taxable income = gross salary − ₹75,000 − employer NPS. A 4% cess is added, and the 87A rebate (up to ₹60,000) makes income up to ₹12,00,000 tax-free.
Example
With the defaults — a gross salary of ₹18,00,000 and no NPS contribution — the calculator subtracts the ₹75,000 standard deduction to get a taxable income of ₹17,25,000. The slabs give ₹1,45,000 of tax, and the 4% cess of ₹5,800 takes the total to about ₹1,50,800 — roughly ₹12,567 a month, or 8.4% of gross. Raise the employer NPS contribution and both taxable income and tax fall.
Common use cases
- Salary planning: see how a pay change alters your projected tax.
- Choosing a regime: compare new vs old to pick the lower one.
- NPS planning: see how an employer NPS contribution lowers taxable income.
Pro tips
- Standard deduction is automatic: no need to subtract ₹75,000 by hand.
- Only a few deductions remain: employer NPS under 80CCD(2) still helps.
- Income up to ₹12 lakh is tax-free: thanks to the 87A rebate.
FAQ
What is the new income tax regime in India?
A simplified set of lower slabs from Budget 2025, and the default from FY 2025-26. You give up most deductions for lower rates.
What are the new regime slabs for FY 2025-26?
Nil up to ₹4 lakh; then 5%, 10%, 15%, 20%, 25% and 30% at the ₹8, 12, 16, 20, 24 lakh marks. Add 4% cess.
Is the standard deduction allowed in the new regime?
Yes. Salaried taxpayers get a standard deduction of ₹75,000, applied automatically here.
Which deductions are still allowed in the new regime?
Mainly the standard deduction and the employer's NPS under 80CCD(2). 80C, 80D and HRA are not.
Why do I pay no tax up to ₹12 lakh?
Under 87A, income up to ₹12,00,000 gets a rebate of up to ₹60,000, bringing tax to nil. Marginal relief applies just above.
How is income tax calculated on salary?
Subtract the ₹75,000 deduction and any allowed deduction, apply slab rates, deduct the 87A rebate, then add cess.
Is the new regime better than the old regime?
Usually if you have few deductions. If you claim large 80C, 80D and HRA benefits, the old regime may save more.
Do these rates include professional tax?
No. Professional tax is a separate state levy, not part of this central estimate.
Is this calculator accurate?
It is a close estimate under FY 2025-26 new regime rules, ignoring surcharge. Confirm with your Form 16.
Is this income tax calculator free?
Yes. It runs entirely in your browser and no salary details are uploaded.
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Disclaimer
An indicative estimate using the FY 2025-26 new regime slabs, subject to change each Budget. It ignores surcharge. Verify with your Form 16 or a tax professional.