Enter your yearly salary. You’ll see your tax under both regimes side by side, and which one leaves you more money.
| Taxable income | |
| In hand a month |
| Deductions used | |
| Taxable income | |
| In hand a month |
Taxable income above ₹50 lakh also pays surcharge. This calculator does not add it, so the tax shown is lower than you will owe.
Tax includes 4% health and education cess. “In hand” is income minus tax only; PF and other salary deductions are not taken off.
| Taxable income | Rate |
|---|---|
| Up to ₹4 lakh | Nil |
| ₹4 lakh to ₹8 lakh | 5% |
| ₹8 lakh to ₹12 lakh | 10% |
| ₹12 lakh to ₹16 lakh | 15% |
| ₹16 lakh to ₹20 lakh | 20% |
| ₹20 lakh to ₹24 lakh | 25% |
| Above ₹24 lakh | 30% |
Salaried people get a ₹75,000 standard deduction. A rebate of up to ₹60,000 means no tax at all on taxable income up to ₹12 lakh.
| Taxable income | Rate |
|---|---|
| Up to ₹2.5 lakh | Nil |
| ₹2.5 lakh to ₹5 lakh | 5% |
| ₹5 lakh to ₹10 lakh | 20% |
| Above ₹10 lakh | 30% |
The standard deduction is ₹50,000, and the rebate makes taxable income up to ₹5 lakh tax-free. Higher exemption limits for people aged 60 and over are not covered here.
Yes, under the new regime. The ₹75,000 standard deduction brings taxable income down to ₹12 lakh, and the rebate cancels all tax up to that level.
No. The slabs, the ₹75,000 standard deduction and the ₹60,000 rebate stay the same for FY 2026-27 as in FY 2025-26.
If your taxable income is just over ₹12 lakh, your tax can’t be more than the amount by which you cross ₹12 lakh. At ₹12.1 lakh taxable, you pay ₹10,000 plus cess, not ₹61,500.
The new regime is the default. Salaried people can pick the old regime each year when they file their return.
Mostly people with large deductions, such as full 80C, HRA in a big city and home loan interest. Enter yours above and the calculator tells you which regime costs less.
Estimates for planning only, not financial or tax advice. Kyun is independent and not linked to the Government of India. Rates and rules last checked 20 October 2026.