Free Income Tax Calculator for India: Old vs New Regime

Estimate your income tax for AY 2026-27 (FY 2025-26) and see side by side whether the old or the new tax regime works out lower for you. Our calculator is built for salaried employees, business owners, freelancers and NRIs, and takes about 2 minutes. You can also calculate for earlier years, back to AY 2021-22.

How to calculate your income tax in 4 steps

1. Click Get Started and sign in with a quick login.
2. Choose your category: salaried, business owner, freelancer or NRI.
3. Answer a few simple questions about your income, deductions and investments, and pick the assessment year.
4. Compare the old and new regime, see your estimated tax and check which option is lower.

Who is this calculator for?

Old regime or new regime: what decides the better option?

The new regime generally has lower tax rates but allows fewer deductions and exemptions. The old regime has higher rates but lets you claim deductions and exemptions such as HRA, Section 80C investments, Section 80D health insurance and home loan interest. Which one costs you less depends on how much you can actually claim.

The calculator runs both regimes on your numbers so you do not have to guess. For ideas to lower your tax bill, read our guide to income tax saving or talk to an expert about tax planning consultation.

Want a deeper look at your tax position? Try our Know Your Tax service or the Tax Profile Analyzer.

This calculator gives an estimate for guidance only and is not tax advice.