Calculator
Income tax calculator,old vs new regime
Income tax calculator,old vs new regime
Put in your annual salary and the deductions you actually claim. Both regimes are worked out side by side, with the rebate, surcharge and cess shown, and the monthly TDS each one means.
Figures reviewed September 2026. Statutory rates change; confirm with the notification before filing.
Old regime deductions, per year
Verdict
The new regime is ₹67,111 cheaper a year, about ₹5,593 a month in TDS.
New regime · pays less
Gross salary
₹15,00,000
Deductions
− ₹75,000
Taxable income
₹14,25,000
Tax on slabs
₹93,750
Health and education cess (4%)
₹3,750
Tax for the year
₹97,500
TDS per month
Effective rate 6.5%
₹8,125
Old regime
Gross salary
₹15,00,000
Deductions
− ₹3,47,400
Taxable income
₹11,52,600
Tax on slabs
₹1,58,280
Health and education cess (4%)
₹6,331
Tax for the year
₹1,64,611
TDS per month
Effective rate 11.0%
₹13,718
Put this calculator on your site
Paste the snippet into any page. It works on WordPress, Wix, Webflow and plain HTML, updates itself when the rates change, and stays free. The one-line credit under it is the only condition.
<iframe src="https://kuzhu.in/embed/income-tax-calculator" width="100%" height="960" style="border:0;border-radius:16px;max-width:100%" loading="lazy" title="Kuzhu income tax calculator"></iframe>
<p style="font-size:12px"><a href="https://kuzhu.in/resources/income-tax-calculator?utm_source=embed">Free income tax calculator by Kuzhu HRMS</a></p>How the tax is worked out
New regime slabs
Nil up to ₹4 lakh, then 5%, 10%, 15%, 20% and 25% in ₹4 lakh steps, and 30% above ₹24 lakh. Standard deduction ₹75,000. A rebate removes the tax entirely up to ₹12 lakh of taxable income, so salary up to ₹12.75 lakh pays nothing.
Old regime slabs
Nil up to ₹2.5 lakh, 5% to ₹5 lakh, 20% to ₹10 lakh and 30% above, for individuals below 60. Standard deduction ₹50,000, and a rebate of up to ₹12,500 when taxable income is ₹5 lakh or less.
Deductions decide it
The old regime allows HRA, 80C up to ₹1.5 lakh, 80D, NPS under 80CCD(1B), home loan interest and professional tax. The new regime allows almost none of them. The more you claim, the more the old regime can win.
Marginal relief
Just above ₹12 lakh in the new regime, and just above each surcharge threshold in both, tax cannot rise by more than the income above the line. The calculator applies both reliefs.
Surcharge and cess
Surcharge of 10% above ₹50 lakh, 15% above ₹1 crore and 25% above ₹2 crore; the old regime adds 37% above ₹5 crore. Health and education cess of 4% applies to the total in both.
What it leaves out
Slabs are for resident individuals below 60 for FY 2025-26. It does not cover senior citizens' higher old-regime exemption, capital gains at special rates, or the employer's NPS contribution under 80CCD(2). Confirm against the Finance Act for the year you are computing.
Questions people ask
Which is better for me, the old or the new tax regime?
It depends on your deductions. With little beyond the standard deduction, the new regime is almost always cheaper. With a large HRA exemption, a full 80C, health insurance and home loan interest, the old regime can win. Put your real figures in the calculator to see the difference in rupees.
Is income up to ₹12 lakh tax-free?
Under the new regime for FY 2025-26, yes: taxable income up to ₹12 lakh gets a full rebate under 87A. For a salaried person the ₹75,000 standard deduction takes that to ₹12.75 lakh of salary.
Can I switch regimes every year?
A salaried person with no business income can choose each year when filing the return, whatever was declared to the employer. The declaration to the employer only decides how TDS is deducted during the year.
Why is my TDS different from this?
Employers estimate the whole year's tax from projected salary and your declarations, then spread it over the remaining months. A raise, a bonus, a regime change or proofs submitted late all change the monthly deduction.
Does the calculator include employer PF or gratuity?
No. Enter taxable salary only. Employer PF within limits and gratuity provisions are not taxable salary. Employee PF counts towards 80C under the old regime.
More free tools
All resources
In Kuzhu
Kuzhu collects each employee's regime choice and investment declarations on the app, projects the year's tax from the salary structure, and recomputes TDS every month as pay and proofs change.
WhatsApp us