Calc · Income tax

Income tax calculator — FY 2025-26

Side-by-side comparison of the old and new regimes. Includes section 87A rebate, surcharge, and 4% cess.

Deductions (used only in OLD regime)

Old regime
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New regime
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This is a quick estimate. For complex cases (capital gains, business income, foreign income, multiple properties), consult a tax professional.

How Indian income tax works in FY 2025-26

From April 2025 to March 2026, you can choose either the old regime (which lets you claim deductions like 80C, 80D, HRA, home loan interest) or the new regime (lower tax rates, but almost no deductions). The new regime is the default; you can opt out into the old regime if it gives you a lower tax bill.

New regime slabs (FY 2025-26)

  • ₹0 – ₹4 lakh: nil
  • ₹4 – ₹8 lakh: 5%
  • ₹8 – ₹12 lakh: 10%
  • ₹12 – ₹16 lakh: 15%
  • ₹16 – ₹20 lakh: 20%
  • ₹20 – ₹24 lakh: 25%
  • ₹24 lakh+: 30%
  • Standard deduction: ₹75,000. Section 87A rebate: full tax waived if taxable income ≤ ₹12 lakh.

Old regime slabs (FY 2025-26)

  • ₹0 – ₹2.5 lakh: nil (senior: ₹3 lakh; super-senior: ₹5 lakh)
  • ₹2.5 – ₹5 lakh: 5%
  • ₹5 – ₹10 lakh: 20%
  • ₹10 lakh+: 30%
  • Standard deduction: ₹50,000. Section 87A rebate: full tax waived if taxable income ≤ ₹5 lakh.

Which to choose?

Run the numbers. If your total deductions (80C + 80D + HRA + home loan interest + NPS) exceed roughly ₹3 lakh, the old regime often wins. Below that, the new regime usually does.

About Income tax calculator — FY 2025-26

Income tax calculator — FY 2025-26 delivers India-aware financial and scientific calculators, built for individuals planning finances, students, accountants, CAs, investment advisors, and small business owners across India. It is part of the Toolvana family — a curated collection of 190+ free, privacy-respecting browser tools built and maintained by Aravind Labs. The aim is simple: replace expensive SaaS subscriptions and surveillance-heavy web tools with something fast, clean, and trustworthy.

Calculate Indian income tax for FY 2025-26 / AY 2026-27. Compare old vs new regime side-by-side, with section 87A rebate, surcharge, and cess. Under the hood, the tool is powered by JavaScript number primitives with explicit precision handling for currency calculations. The result is something that feels like a native desktop app: instant feedback, no loading spinners after the first paint, and full control over your data.

Why use Income tax calculator — FY 2025-26?

The web is full of "free" tools that ransom your file in exchange for an email address, plant trackers on your browser, or sell your data to "advertising partners" buried in a 40-page privacy policy. Income tax calculator — FY 2025-26 takes the opposite stance: Your salary numbers, loan amounts, and investment goals stay private. No server sees what you are calculating.

For users who handle anything sensitive — legal contracts, medical PDFs, ID documents, financial spreadsheets, private journals — this difference is not academic. Once a file leaves your device, you have no idea where it goes, who reads it, how long it is kept, or what happens during a data breach. With Income tax calculator — FY 2025-26, the answer is permanent: nothing leaves, nothing to leak.

How Income tax calculator — FY 2025-26 works

When you open the page, your browser downloads a small JavaScript bundle that contains the tool logic. Once loaded, every action — file processing, computation, rendering — happens locally using your CPU and GPU. The browser exposes capabilities like Canvas 2D, Web Audio, Web Crypto, WebAssembly, and WebCodecs that, combined, are enough to do what desktop apps used to require.

This architecture has three implications: (1) privacy by design, since there is nowhere for data to leak; (2) speed, since there is no network round-trip; (3) offline capability, since once loaded, the tool keeps working without internet. The trade-off is that very heavy compute (training AI models, transcoding multi-hour videos) is still better-suited to native software — though even there, browser capabilities are catching up fast.

Step-by-step: how to use Income tax calculator — FY 2025-26

  1. Open the page. No login, no signup, no email confirmation. The tool is immediately usable.
  2. Provide your input. Drop a file into the drop zone, paste text, or fill in the form fields — whichever the tool requires.
  3. Tune the options (if any). Most tools have sensible defaults. Tweak only if you need a specific output format or quality.
  4. Run the operation. A primary button (usually marked with a clear verb like "Compress", "Generate", "Convert") triggers processing.
  5. Review and download. The result is shown in-page so you can verify before saving. Use the download button to grab the final file.

Common use cases

Loan planning

Income tax calculator — FY 2025-26 helps with comparing EMI options across banks, deciding between 15-year and 20-year home loan tenure, evaluating prepayment savings.

Tax filing

Income tax calculator — FY 2025-26 helps with calculating capital gains tax on equity vs property, computing HRA exemption, estimating advance tax liability, planning Section 80C investments.

Investment decisions

Income tax calculator — FY 2025-26 helps with comparing SIP vs lump sum, evaluating PPF vs ELSS vs FD, projecting NPS retirement corpus, planning Sukanya Samriddhi for a daughter.

Salary negotiations

Income tax calculator — FY 2025-26 helps with understanding CTC breakup, calculating in-hand salary after PF, ESI, professional tax, gratuity entitlement after 5 years.

Business calculations

Income tax calculator — FY 2025-26 helps with computing GST liability with CGST/SGST/IGST split, calculating margin and markup, evaluating capital allowance schedules.

Tips & best practices

Frequently asked questions

Is Income tax calculator — FY 2025-26 really free?

Yes — Toolvana is free with no signup, no trial expiration, and no hidden limits. The site is supported by lightweight, non-intrusive ads (and donations from grateful users). You will never be asked to upgrade for a premium tier or hit a "5 uses left" wall.

Does Income tax calculator — FY 2025-26 upload my data anywhere?

Your salary numbers, loan amounts, and investment goals stay private. No server sees what you are calculating. You can verify this yourself by opening DevTools → Network tab and watching for outbound requests while you use the tool.

Will Income tax calculator — FY 2025-26 work offline?

After the first load, the JavaScript and assets are cached by your browser. Most operations work offline — only tools that explicitly call out external AI or API services require a connection. The browser registers a service worker so the page loads without a network round-trip on repeat visits.

Does Income tax calculator — FY 2025-26 work on mobile?

Yes. The interface is fully responsive and supports touch input. We test on iOS Safari, Chrome on Android, and major desktop browsers (Chrome, Firefox, Safari, Edge) — last verified in May 2026.

Can I use Income tax calculator — FY 2025-26 for commercial work?

Yes. Toolvana tools are usable for personal, educational, and commercial work. Output (generated images, processed documents, etc.) is owned by you under the licenses of the underlying libraries. Pollinations-generated images carry no commercial restrictions for typical usage.

How does Income tax calculator — FY 2025-26 compare to paid alternatives?

Most paid tools (Adobe Acrobat, Canva Pro, SmallPDF Premium, Grammarly Premium) charge ₹500-3000/month for similar functionality. Toolvana provides the same core capabilities free, with one trade-off: heavy compute (AI image generation) is rate-limited at peak times. For ~95% of day-to-day use, the experience is identical or better.

Why is Income tax calculator — FY 2025-26 faster than other free tools?

Because everything runs in your browser, there is no upload time, no queue, no server cold-start. A 5 MB file that would take 8 seconds to upload to a competitor finishes processing here in under 2 seconds — limited only by your CPU.

What happens if my browser crashes mid-operation?

Browser-only tools have no recovery state — if the tab crashes during a long operation, you start over. We mitigate this by chunking large operations and reporting progress, so you know how far along you are. For mission-critical tasks, always keep a backup of the source file.

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About Toolvana

Toolvana is a free, ad-supported, privacy-first multi-tool web app built and maintained by Aravind Labs. The site has no paid tier, no enterprise upsell, and no premium gating — every tool is fully functional for every visitor. Light ads keep the lights on; that is it. If a tool ever feels broken, slow, or sketchy, the source is open in your browser's DevTools — and you can drop a note via the contact page on the parent site.

Last updated: May 2026. Tools are continuously added based on what real users ask for. If you have a request, open an issue on the AravindLabs site or reach out via the contact page.