# India income tax calculator: new vs old regime

> Compare new and old regime income tax for FY 2026-27 or 2025-26, with the 87A rebate, standard deduction, surcharge and 4% cess. Slab-by-slab breakdown.

URL: https://tools.cuelark.com/india-income-tax-calculator
Publisher: Cuelark Team (https://cuelark.com)
Updated: 2026-11-10
Price: free, no sign-up
Privacy: runs in the browser; files are not uploaded

Enter your annual income to see tax under both the new and old regime side by side for FY 2026-27 or 2025-26, including the section 87A rebate, standard deduction, surcharge and 4% health and education cess.

## How to use it

1. Enter gross annual income and pick the financial year and your age.
2. Keep 'Salaried' on if you get salary or pension (standard deduction ₹75,000 new, ₹50,000 old).
3. Add old-regime deductions (80C, 80D, HRA) to compare; the lower regime is highlighted.

## Details

- **New regime FY 2026-27:** Nil to ₹4 L, then 5% steps to 30% above ₹24 L
- **Rebate 87A (new):** Tax nil up to ₹12 L taxable income (₹12.75 L salary with standard deduction)
- **Cess:** 4% on tax plus surcharge
- **Source:** Finance Act 2025 slabs, Income-tax Department

## Questions

### Is income up to ₹12 lakh tax free?

Under the new regime, yes: the section 87A rebate cancels tax when taxable income is ₹12 lakh or less. For a salaried person that is ₹12.75 lakh of salary after the ₹75,000 standard deduction.

### Which regime should I choose?

The calculator shows both. The old regime only wins when your deductions (80C, 80D, HRA, home-loan interest) are large; for most people with few deductions the new regime is lower.

### Does it include surcharge?

Yes, at 10%, 15%, 25% and (old regime) 37% above ₹50 lakh, ₹1 crore, ₹2 crore and ₹5 crore, followed by 4% cess. Marginal relief at the thresholds is applied.

### Is this my final tax?

It is an estimate for individual income at slab rates. Capital gains at special rates, agricultural income and TDS credits are not included. Verify on the Income Tax Department's calculator before filing.

### Is what I type sent anywhere?

No. The calculation runs in this browser tab with the same code our MCP server uses. Nothing you type is sent to a server or saved, apart from settings like filing status, which stay in this browser.

### Can an AI agent use this?

Yes. The same function is a tool on our free MCP server at tools.cuelark.com/mcp, so ChatGPT, Claude or Cursor get exactly the answer this page shows. 'Copy MCP call' gives you the arguments.

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