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India Tax Studio

Compare the FY 2025-26 (AY 2026-27) old and new regimes with a full slab-by-slab tax split.

India tax calculator

Slab-wise estimate

Enter only deductions allowed under each regime (e.g. standard deduction or eligible employer NPS under new regime).

Current input
Annual income: ₹12,50,000

Income percentile

Where you stand

Monthly income: ₹1,04,167

Percentile thresholds use PLFS 2023-24 figures from the Institute for Competitiveness (top 1%, top 10%, bottom 50%, bottom 10%).

Best result
New RegimeSave ₹96,200

New Regime (FY 2025-26)

Total tax: ₹52,000

Effective rate 4.16%
Taxable income₹12,50,000
Slab tax₹67,500
Rebate (Section 87A)-₹17,500
Surcharge ₹0
Health & education cess (4%)₹2,000

Slab-wise tax

Up to ₹4,00,000
Income: ₹4,00,000
0%
Tax: ₹0
₹4,00,001 to ₹8,00,000
Income: ₹4,00,000
5%
Tax: ₹20,000
₹8,00,001 to ₹12,00,000
Income: ₹4,00,000
10%
Tax: ₹40,000
₹12,00,001 to ₹16,00,000
Income: ₹50,000
15%
Tax: ₹7,500
₹16,00,001 to ₹20,00,000
Income: ₹0
20%
Tax: ₹0
₹20,00,001 to ₹24,00,000
Income: ₹0
25%
Tax: ₹0
Above ₹24,00,000
Income: ₹0
30%
Tax: ₹0
Cumulative slab tax₹67,500

Old Regime (FY 2025-26)

Total tax: ₹1,48,200

Effective rate 11.86%
Taxable income₹11,00,000
Slab tax₹1,42,500
Rebate (Section 87A)-₹0
Surcharge ₹0
Health & education cess (4%)₹5,700

Slab-wise tax

Up to ₹2,50,000
Income: ₹2,50,000
0%
Tax: ₹0
₹2,50,001 to ₹5,00,000
Income: ₹2,50,000
5%
Tax: ₹12,500
₹5,00,001 to ₹10,00,000
Income: ₹5,00,000
20%
Tax: ₹1,00,000
Above ₹10,00,000
Income: ₹1,00,000
30%
Tax: ₹30,000
Cumulative slab tax₹1,42,500

Assumes resident individual under 60 with only normal income (no special-rate capital gains). Includes surcharge and 4% cess.