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Tax
Tax Calculator
Income tax · FY 25-26 · new vs. old regime
Tax Optimization Calculator
Maximize your tax savings with India-specific deductions and planning
₹86,500
Total Tax Liability
₹14,00,000
Gross Income
₹8,70,000
Taxable Income
6.18%
Effective Tax Rate
Deductions Breakdown
HRA
House Rent Allowance
₹2,40,000
of ₹3,00,000
80C
Life Insurance, PPF, ELSS, etc.
₹1,50,000
of ₹1,50,000
80D
Health Insurance
₹40,000
of ₹1,00,000
₹60,000 more can be claimed
80CCD(1)
NPS Contribution
₹50,000
of ₹2,00,000
₹1,50,000 more can be claimed
24B
Home Loan Interest
₹0
of ₹2,00,000
₹2,00,000 more can be claimed
Optimization Recommendations
- • Increase health insurance by ₹60000
Frequently Asked Questions
Which regime is better — old or new?
If your total deductions (80C, 80D, HRA, home loan) exceed ₹3.75L, the old regime may save more. Otherwise, the new regime with its lower slabs is usually better.
What is the standard deduction in FY 25-26?
₹75,000 under the new regime and ₹50,000 under the old regime.