आयकर कॅल्क्युलेटर
आर्थिक वर्ष 2026-27 आणि 2025-26 साठी जुन्या आणि नव्या कर प्रणालीतील कराची तुलना करा
| नवी कर प्रणाली | जुनी कर प्रणाली | |
|---|---|---|
| एकूण उत्पन्न | ₹१२,००,००० | ₹१२,००,००० |
| वजावटी | ₹७५,००० | ₹२,२५,००० |
| करपात्र उत्पन्न | ₹११,२५,००० | ₹९,७५,००० |
| स्लॅबनुसार कर | ₹५२,५०० | ₹१,०७,५०० |
| कलम 87A नुसार सवलत | -₹५२,५०० | ₹० |
| अधिभार | ₹० | ₹० |
| आरोग्य आणि शिक्षण सेस (4%) | ₹० | ₹४,३०० |
| एकूण कर | ₹० | ₹१,११,८०० |
हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.
हा कराचा अंदाज या पानावर दिलेल्या नियमांवर आधारित आहे, कर सल्ला नाही. नियम दरवर्षी बदलतात, त्यामुळे विवरणपत्र भरण्यापूर्वी किंवा नियोजन करण्यापूर्वी चार्टर्ड अकाउंटंट किंवा आयकर विभागाकडून खात्री करून घ्या. वापराच्या अटी
भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.
कसे वापरावे
- आर्थिक वर्ष आणि आपले वय निवडा (जुन्या कर प्रणालीत ज्येष्ठ नागरिकांना जास्त करमुक्त मर्यादा मिळते).
- आपला वार्षिक पगार (ढोबळ) आणि बचत खात्यावरील व्याज किंवा भाडे यांसारखे इतर उत्पन्न भरा.
- आपल्या वजावटी भरा: 80C, 80D, एचआरए सूट, गृहकर्जाचे व्याज, एनपीएस. यांपैकी बहुतेक वजावटी फक्त जुन्या कर प्रणालीत धरल्या जातात, आणि प्रत्येक रकान्याखालील मदत मजकुरात ते सांगितलेले असते.
- आपण टाइप करताच दोन्ही प्रणालींमधील कर बदलतो. सर्वात वर कमी कर असलेली प्रणाली दिसते, आणि आपली किती बचत होते तेही दिसते.
- करपात्र उत्पन्न, स्लॅबनुसार कर, सवलत, अधिभार आणि सेस शेजारी शेजारी पाहण्यासाठी “कराचा हिशोब कसा झाला” उघडा. आकडे जपून ठेवण्यासाठी निकाल कॉपी करा किंवा शेअर करा वापरा.
Old regime or new regime?
Every individual taxpayer in India can pick one of two ways to calculate income tax. The new regime (section 115BAC) is the default. It has lower rates and a large rebate, but almost no deductions. The old regime has higher rates but lets you subtract deductions such as section 80C investments, health insurance (80D), HRA and home loan interest. Which one costs you less depends on how much you can deduct. This income tax calculator works out both and shows you the difference.
New regime slabs (FY 2025-26 and FY 2026-27)
| Taxable income | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
These slabs were introduced by the Finance Act, 2025. Budget 2026 (1 February 2026) kept them unchanged for FY 2026-27, the first year under the Income-tax Act, 2025. A 4% health and education cess applies on the tax, and a surcharge applies above ₹50 lakh (capped at 25% in the new regime).
Why ₹12 lakh (₹12.75 lakh for salaried) is tax-free
Under section 87A, a resident individual in the new regime whose taxable income is up to ₹12,00,000 gets a rebate of up to ₹60,000. That's exactly the slab tax on ₹12 lakh, so the tax becomes zero. Salaried people also get a standard deduction of ₹75,000, which is why a salary of up to ₹12,75,000 pays no tax.
Just above ₹12 lakh, marginal relief applies: your tax can't be more than the income you earned above ₹12 lakh. For a taxable income of ₹12,10,000 the slab tax is ₹61,500, but you pay only ₹10,000 (plus cess).
Old regime slabs
| Taxable income | Below 60 | 60 – 79 | 80 and above |
|---|---|---|---|
| Up to ₹2,50,000 | Nil | Nil | Nil |
| ₹2,50,001 – ₹3,00,000 | 5% | Nil | Nil |
| ₹3,00,001 – ₹5,00,000 | 5% | 5% | Nil |
| ₹5,00,001 – ₹10,00,000 | 20% | 20% | 20% |
| Above ₹10,00,000 | 30% | 30% | 30% |
The old regime's rebate is smaller: up to ₹12,500 if taxable income is ₹5 lakh or less. Its standard deduction for salaried people is ₹50,000.
Which deductions count where
| Deduction | Old regime | New regime |
|---|---|---|
| Standard deduction (salary) | ₹50,000 | ₹75,000 |
| Section 80C (PF, PPF, ELSS, life insurance, tuition fees…) | Up to ₹1,50,000 | No |
| Section 80D (health insurance) | Yes | No |
| HRA exemption | Yes | No |
| Home loan interest, self-occupied (24(b)) | Up to ₹2,00,000 | No |
| Own NPS contribution, 80CCD(1B) | Up to ₹50,000 | No |
| Employer's NPS contribution, 80CCD(2) | Yes | Yes |
A quick rule of thumb
With the ₹12 lakh rebate, the new regime wins for most salaried people. The old regime only comes out ahead when your deductions are large: at a ₹15 lakh salary you need about ₹5.4 lakh of deductions on top of the standard deduction, and at ₹20 lakh about ₹7.1 lakh. That usually means a full 80C, a home loan, NPS and a sizeable HRA exemption all together. Don't rely on the rule, though. Enter your own numbers and the calculator shows the exact difference.
This calculator covers salary and income taxed at slab rates for resident individuals. Capital gains, which are taxed at special rates, aren't included. Section numbers on this page (115BAC, 87A, 80C and so on) are the familiar ones from the Income-tax Act, 1961; the Income-tax Act, 2025, which applies from 1 April 2026, renumbers them without changing these slabs and limits. Tax rules change with every budget, so confirm with the Income Tax Department or a tax professional before you file.