Income Tax Calculator India (FY 2024–25)

Use this income tax calculator to estimate your tax liability based on the latest income tax rules in India. It helps you calculate tax under both old and new tax regimes and understand how your income is taxed across different slabs.

Gross income from salary, freelance, business, etc.

Old Regime Deductions(only applies to old regime)

Max ₹1,50,000

Self: ₹25K. Parents (senior): up to ₹50K extra.

Additional ₹50K for NPS contributions

If you pay rent. Use HRA Calculator for exact value.

Max ₹2,00,000 for self-occupied property

Recommended Regime

New Regime

You save ₹19,500 compared to the old regime.

Tax (New Regime)₹81,900
Tax (Old Regime)₹1,01,400
Your Savings₹19,500

Tax as % of Income

New Regime
6.8%
₹81,900
Old Regime
8.5%
₹1,01,400

New Regime — Slab Breakdown

Better

Taxable income: ₹11.3 LStandard deduction: ₹75,000

SlabRateTaxableTax
₹0₹3.0 L0%₹3.0 L₹0
₹3.0 L₹6.0 L5%₹3.0 L₹15,000
₹6.0 L₹9.0 L10%₹3.0 L₹30,000
₹9.0 L₹12.0 L15%₹2.3 L₹33,750
Sub-total₹78,750
Health & Education Cess (4%)₹3,150
Total Tax Payable₹81,900

Old Regime — Slab Breakdown

Taxable income: ₹9.3 LTotal deductions: ₹2.8 L

SlabRateTaxableTax
₹0₹2.5 L0%₹2.5 L₹0
₹2.5 L₹5.0 L5%₹2.5 L₹12,500
₹5.0 L₹10.0 L20%₹4.3 L₹85,000
Sub-total₹97,500
Health & Education Cess (4%)₹3,900
Total Tax Payable₹1,01,400

Your Deductions (Old Regime)

These deductions reduce your taxable income under the old regime only.

Standard Deduction
₹50,00016(ia)
Section 80C
₹1,50,00080C
Section 80D – Health
₹25,00080D
Section 80CCD(1B) – NPS
₹50,00080CCD(1B)
Total Deductions
₹2,75,000

What this means for you

🏆

New Regime wins

You save ₹19,500 by choosing the New Regime. That's ₹1,625/month more in your pocket.

📊

Effective tax rate

New: 6.8% — Old: 8.5%. The lower your effective rate, the more efficient your tax planning.

💡

Maximise deductions?

Your old-regime deductions total ₹2.8 L. If you can claim more (80C, NPS, home loan), the old regime could beat the new.

Want to see your actual take-home salary?

See your monthly payslip breakdown with PF, professional tax, and net in-hand.

Calculate Take-Home Salary →

Tax Slab Rates (FY 2025–26)

New Regime

₹0 – ₹3,00,000Nil
₹3,00,001 – ₹6,00,0005%
₹6,00,001 – ₹9,00,00010%
₹9,00,001 – ₹12,00,00015%
₹12,00,001 – ₹15,00,00020%
Above ₹15,00,00030%

Standard deduction: ₹75,000. No other deductions.

Old Regime

₹0 – ₹2,50,000Nil
₹2,50,001 – ₹5,00,0005%
₹5,00,001 – ₹10,00,00020%
Above ₹10,00,00030%

Standard deduction: ₹50,000. Plus 80C, 80D, HRA, NPS, etc.

+ 4% Health & Education Cess on total tax. Surcharge may apply for income above ₹50 L.

What to do next

Income Tax Calculator India (Latest FY 2024–25)

Calculating your income tax can be confusing, especially with different tax slabs, deductions, and regime choices. This income tax calculator helps you estimate your tax liability instantly based on the latest income tax rules in India.

Whether you are a salaried employee, freelancer, or business owner, this tool gives you a clear breakdown of how much tax you need to pay and how your income is taxed across different slabs.

Why You Should Use This Income Tax Calculator

This tool helps you:

  • Estimate your tax liability accurately.
  • Compare old vs new tax regime.
  • Plan investments to save tax.
  • Avoid last-minute tax surprises.

How to Reduce Your Income Tax Legally

You can lower your tax burden by using deductions and exemptions (mainly under the old regime):

  • Invest under Section 80C (up to ₹1.5 lakh)
  • Claim health insurance under Section 80D
  • Use HRA benefits if applicable
  • Claim home loan interest deductions

Proper planning can save you a significant amount every year.

Frequently Asked Questions

What is the difference between the old and new tax regime?

The old regime allows deductions and exemptions, while the new regime offers lower tax rates with fewer deductions.

Which tax regime is better?

It depends on your deductions. If you claim many deductions, the old regime may be beneficial. Otherwise, the new regime may result in lower tax.

Does this calculator give exact tax?

It provides a close estimate based on current tax rules. Final tax may vary depending on your exact income and declarations.

Do I need to file income tax return if my tax is zero?

Yes, if your income exceeds the basic exemption limit, filing may still be required.

Related Tools

Updated as per latest income tax rules (FY 2024–25 / AY 2025–26).

How it works

  1. 1

    Enter your gross annual income and applicable deductions.

  2. 2

    Select between Old Regime (with deductions) and New Regime (lower slabs, fewer deductions).

  3. 3

    The calculator applies the relevant tax slabs and adds 4% health & education cess.

Example calculation

Scenario: Income ₹10 LPA under New Regime (FY 2024-25)

  • Income up to ₹3L: Nil
  • ₹3L–7L: 5% = ₹20,000
  • ₹7L–10L: 10% = ₹30,000
  • Total tax = ₹50,000 + 4% cess = ₹52,000
  • Effective rate ≈ 5.2%

Who benefits & use cases

  • Compare old vs new regime to pick the more beneficial option.
  • Plan investments under 80C, 80D, HRA to reduce taxable income.
  • Estimate advance tax liability to avoid interest under Sec 234B/C.

Frequently asked questions

Which regime is better — old or new?

If your total deductions exceed ₹3.75 lakh (80C, HRA, 80D, standard deduction, etc.), the old regime usually saves more tax. Otherwise, the new regime is simpler and often cheaper.

Is standard deduction available in the new regime?

Yes. A standard deduction of ₹75,000 is available for salaried individuals under the new regime from FY 2024-25.

What is the tax rebate under Section 87A?

Under the new regime, if your taxable income is up to ₹7 lakh, you get a full rebate — effectively zero tax. Under the old regime, the rebate limit is ₹5 lakh.