Calculate your exact income tax liability under the new regime for FY 2025-26. Includes ₹75K standard deduction, 87A rebate, surcharge and 4% cess.
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After ₹75,000 standard deduction. 4% cess added to final tax. 87A rebate: zero tax if taxable income ≤ ₹12L.
| Gross Salary (CTC) | Taxable Income | Tax (before cess) | 87A Rebate? | Final Tax (incl. 4% cess) |
|---|---|---|---|---|
| ₹10L | ₹9.25L | ₹52,500 | Full rebate | ₹0 |
| ₹12.75L | ₹12L | ₹60,000 | Full rebate | ₹0 |
| ₹13L | ₹12.25L | ₹63,750 | No rebate | ₹66,300 |
| ₹15L | ₹14.25L | ₹93,750 | No rebate | ₹97,500 |
| ₹20L | ₹19.25L | ₹1,93,750 | No rebate | ₹2,01,500 |
| ₹30L | ₹29.25L | ₹4,43,750 | No rebate | ₹4,61,500 |
The ₹12.75L to ₹13L jump is sharp: you pay ₹0 at ₹12.75L but ₹66,300 at ₹13L. Structure salary to stay below if possible.
New regime is better if you:
Old regime may be better if you:
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Under the new regime for FY 2025-26: ₹0–4L (0%), ₹4–8L (5%), ₹8–12L (10%), ₹12–16L (15%), ₹16–20L (20%), ₹20–24L (25%), above ₹24L (30%). Plus 4% health and education cess.
Salaried employees and pensioners get a standard deduction of ₹75,000 per year under the new regime for FY 2025-26.
If your gross salary is up to ₹12,75,000 (taxable income = ₹12L after ₹75K SD), the Section 87A rebate makes your tax liability zero. Above ₹12.75L, full tax applies on the full taxable income.
Yes, surcharge applies if income exceeds ₹50 lakh: 10% surcharge above ₹50L, 15% above ₹1Cr, 25% above ₹2Cr, and 37% above ₹5Cr (capped at 25% for new regime from FY 2023-24).
Anyone with gross income up to Rs 12,75,000 pays zero tax. The Rs 75,000 standard deduction reduces taxable income to Rs 12L, and the Section 87A rebate of Rs 60,000 fully offsets the tax liability. For income above Rs 12.75L, the full tax liability without rebate applies from the first rupee above Rs 12L.
Surcharge rates in new regime: 10% for income Rs 50L-1Cr, 15% for Rs 1-2Cr, 25% for Rs 2Cr+. Surcharge applies on the tax amount, not on income. Example: Rs 60L income, tax approx Rs 12.75L, surcharge Rs 1.275L (10%), plus 4% cess equals total tax Rs 14.586L. The calculator auto-applies surcharge at the correct slab.
Capital gains are taxed separately under their own rates regardless of which regime you choose. LTCG on equity: 12.5% above Rs 1.25L per year. STCG on equity: 20%. LTCG on debt or property: 12.5% without indexation. The income tax regime choice affects only your salary and business income deductions, not capital gains tax rates.
No. Section 80CCD(1B) - the additional Rs 50,000 NPS deduction - is not available under the new tax regime. This is a significant disadvantage for NPS investors. However, the employer NPS contribution under 80CCD(2) IS available in both regimes. Tax saving from 80CCD(1B) in old regime: Rs 15,600 at 30% slab - weigh this against new regime slab savings.
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