Finance tool
Income Tax Calculator (FY 2025-26)
The Tax Calculator estimates the income tax you owe under India's FY 2025-26 new tax regime. Enter your annual income and the tool applies the current slab rates plus the 4% health and education cess.
The calculation runs locally in your browser, so your income details never leave your device.
Privacy & data handling
Browser processingThis tool processes your input locally in your browser. Nothing is uploaded to a server or sent to an external service.
Interactive tool
Income Tax Calculator (FY 2025-26)
New Tax Regime is Estimated to Save ₹1,11,800
New Regime (FY 2025-26) Statutory Slabs
Tax computation breakdown per income threshold bracket| Income Slab Bracket | Statutory Rate | Taxable in Bracket | Calculated Tax |
|---|---|---|---|
| ₹0 – ₹4,00,000 | 0% | ₹4,00,000 | ₹0 |
| ₹4,00,001 – ₹8,00,000 | 5% | ₹4,00,000 | ₹20,000 |
| ₹8,00,001 – ₹12,00,000 | 10% | ₹3,25,000 | ₹32,500 |
Statutory Alignment: Calculations conform to the Union Budget statutory provisions for Financial Year 2025–26 (Assessment Year 2026–27) for resident individuals under 60 years of age.
• Surcharges apply on total income exceeding ₹50 Lakhs (10% to 25% depending on income brackets and regime).
• This is an educational planning model and does not constitute formal legal or chartered accounting advice. Verify all figures with the Income Tax Department e-filing portal.
Overview
What does Income Tax Calculator (FY 2025-26) do?
Type your annual income on the first line and the tool returns the estimated tax and the total including cess. It follows the FY 2025-26 new-regime slabs: no tax up to 4 lakh, 5% from 4 to 8 lakh, 10% from 8 to 12 lakh, 15% from 12 to 16 lakh, 20% from 16 to 20 lakh, 25% from 20 to 24 lakh, and 30% above 24 lakh. Income up to 12 lakh receives the full rebate, so the estimate is zero there.
The output is a quick estimate for planning — it does not consider deductions, exemptions, or the old regime.
Under the hood
How does it work?
The tool parses your income, finds which new-regime slab it falls into, and applies the formula for that bracket: a fixed base amount for the slabs below, plus the marginal rate on the income above the bracket's threshold. The 4% cess is added on top to produce the total.
Key features
Features of Income Tax Calculator (FY 2025-26)
Use cases
When should you use Income Tax Calculator (FY 2025-26)?
Salary planning
Estimate your tax liability before the year starts to plan savings and investments.
Comparing regimes
Roughly compare your new-regime estimate with an old-regime figure from a professional.
Freelance budgeting
Set aside the right amount from each payment so tax season is not a shock.
Step-by-step
How to use Income Tax Calculator (FY 2025-26)
- Step 1
Enter your gross annual income.
- Step 2
View your estimated tax liability, standard deduction, and slab breakdown.
Real example
Example
Before (input)
1200000
After (estimate)
Tax: Rs 0 Total: Rs 0
12 lakh annual income: within the up-to-12-lakh rebate, so the estimated tax is zero. Above 12 lakh the 15% slab applies.
Technical information
How the details work
The calculator implements the FY 2025-26 new-regime slabs as a stepped function. For income above 24 lakh, the tax is 3,00,000 plus 30% of the excess; each lower bracket is a fixed amount plus the marginal rate on the excess. Income up to 12 lakh falls within the new-regime rebate, so the computed tax is zero. Cess is added as 4% of the computed tax.
Privacy & security
Your data stays yours
All calculations happen locally in your browser. Your income details are never uploaded or stored.
Local processing — files stay in your browser
- The tax math runs on your device with no network requests.
- Nothing you enter is saved after the tab is closed.
- No account or data collection of any kind.
Limitations
What this tool does not do
- It applies the new regime only — old-regime calculations with deductions are not covered.
- Deductions, exemptions, and other income types are not considered.
- Tax laws change; verify the current slabs before relying on the number.
- This is an estimate, not a tax filing.
Frequently asked questions
Common questions about Income Tax Calculator (FY 2025-26)
Which tax regime does this use?
The new regime with its current slab rates. If you claim significant deductions, the old regime may work out differently.
What is the 4% added on top?
The health and education cess applied to the income tax amount — the tool includes it in the total.
Does it include the standard deduction?
No. Enter your taxable income or adjust manually if your situation includes deductions.
Is my income private?
Yes. The calculation happens entirely in your browser and nothing is transmitted or stored.
Is this figure what I file?
It is an estimate for planning. File with a tax professional or the official filing portal for your actual liability.
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