Income Tax Calculator (India)
Estimate Indian income tax under old and new regimes.
Inputs
Taxable Income
₹9,25,000
Base Tax
₹42,500
Education Cess
₹1,700
Total Tax
₹44,200
Effective Rate
4.42%
Tax Breakdown
- Base Tax₹42,500(4.3%)
- Cess₹1,700(0.2%)
- Take-home₹9,55,800(95.6%)
New Regime Slab Breakdown
| From | To | Tax |
|---|---|---|
| ₹0 | ₹3,00,000 | ₹0 |
| ₹3,00,000 | ₹7,00,000 | ₹20,000 |
| ₹7,00,000 | ₹9,25,000 | ₹22,500 |
How this is calculated
Tax = Σ(slab income × slab rate) + 4% education cess- 1Annual income: ₹10,00,000
- 2New regime with standard deduction of ₹75,000
- 3Taxable income: ₹9,25,000
- 4Base tax: ₹42,500, education cess (4%): ₹1,700
- 5Total tax: ₹44,200, effective rate: 4.42%
- 6Take-home: ₹9,55,800
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20267 min read
Income Tax Calculator (India) — Old vs New Regime
The Income Tax Calculator estimates your Indian income tax under both the old and new tax regimes. Enter your annual income, choose a regime, and instantly see your taxable income, base tax, education cess, total tax, and effective tax rate.
Compare both regimes side by side to find the one that leaves more money in your pocket. Everything is calculated locally in your browser — no details are uploaded, and results are estimates for planning only.
- Old & new regimes
- Standard deduction
- Education cess
- Effective tax rate
- Free & private
Why Use Income Tax?
Old vs New Regime
Compare the 2024–25 slab structure of both regimes to pick the one with lower tax.
Standard Deduction
The ₹50,000 standard deduction (and ₹75,000 in the new regime) is applied automatically.
Education Cess Included
The 4% health and education cess is factored into your final tax.
Effective Rate Clarity
See what percentage of your total income actually goes to tax.
Features
Regime Toggle
Switch between old and new regime slab structures with a single control.
Automatic Deductions
Standard deduction and applicable rebates are computed for you.
Tax Breakdown
Separate cards show taxable income, base tax, cess, and total tax.
Effective Rate
Your true average tax rate as a percentage of gross income.
Copy, Share & Print
Copy the summary, share it, or print a report for your records.
How to Use the Income Tax Calculator
Estimate your tax in three quick steps.
Enter your annual income
Type or slide your total taxable income for the year (e.g. ₹12,00,000).
Choose a regime
Select the new or old regime to see that regime's slab structure applied.
Review your tax
Check taxable income, cess, total tax, and effective rate — then copy or share.
Frequently Asked Questions
Got questions? We've got answers.
How is income tax calculated in India?▼
Taxable income is charged at slab rates for the chosen regime, then a 4% health and education cess is added on top of the tax amount.
Which regime is better — old or new?▼
The old regime usually wins if you claim many deductions (80C, HRA, home loan). The new regime has lower rates but few deductions. Use this calculator to compare both.
What is the standard deduction?▼
A flat ₹50,000 deduction on salaried income in the old regime, and ₹75,000 in the new regime (2024–25), reducing your taxable income.
What is the new regime slab for ₹12 lakh income?▼
For FY 2024–25, income up to ₹12,00,000 is effectively tax-free in the new regime due to the ₹75,000 standard deduction plus the rebate under section 87A.
What is education cess?▼
A 4% health and education cess is charged on your total income tax, not on your income itself.
How much tax will I pay on ₹15 lakh?▼
Under the new regime, roughly ₹1.07 lakh including cess after the standard deduction and rebate — the calculator shows the exact breakdown for your inputs.
What is the rebate under 87A?▼
A tax rebate that makes income up to ₹7 lakh (old regime) and up to ₹12 lakh (new regime, 2024–25) effectively tax-free.
Does the calculator include investments and HRA?▼
Not automatically — enter your income after claiming 80C, HRA, home loan, and other deductions for a personalized estimate.
What is the effective tax rate?▼
Your total tax divided by your gross income, expressed as a percentage — the average rate you actually pay.
Is the income tax calculator free?▼
Yes, completely free with no sign-ups, no watermarks, and no limits.
Are the results official?▼
No — results are estimates based on current slab structures and are not tax advice. Confirm with a CA or the income tax department before filing.
Can I copy or share my calculation?▼
Yes — copy a clean summary, share it, or print a report from the results toolbar.
Is my income data private?▼
Completely — everything runs in your browser and nothing is uploaded or stored.
Does the calculator support senior citizens?▼
The current version uses general slabs. Senior and super-senior citizens should verify their special slab thresholds with a tax professional.
Does it work on mobile?▼
Yes, fully responsive with touch-friendly controls on all devices.
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