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Income Tax — Old vs New regime
FY 2025-26 (AY 2026-27) · full computation with advance-tax schedule & PDF
Salary
Standard deduction is applied automatically: ₹75,000 (new) / ₹50,000 (old).
House property
Self-occupied interest (max ₹2,00,000) counts only in the old regime. 30% standard deduction on let-out is automatic.
Capital gains
First ₹1,25,000 of 112A LTCG is exempt. Special rates are identical under both regimes.
Business / profession
44AD — eligible business, turnover up to ₹3 crore (cash receipts ≤ 5%); income presumed at 6% (bank/digital) or 8% (cash). 44ADA — specified professions, receipts up to ₹75 lakh; income presumed at 50%. Presumptive taxpayers pay advance tax in a single instalment by 15 March.
Other sources
Chapter VI-A deductions
Only 80CCD(2) (employer NPS) carries into the new regime — the rest apply to the old regime only.
Partnership firms & LLPs are taxed at a flat 30% + 12% surcharge (income above ₹1 crore, with marginal relief) + 4% cess. No regime choice or basic exemption.
Normal rate is 25% if FY 2023-24 turnover ≤ ₹400 crore, else 30% (+ 7% / 12% surcharge with marginal relief). 115BAA / 115BAB carry a flat 10% surcharge. All + 4% cess. MAT / AMT is not modelled.
New-regime slabs (FY 2025-26)
| 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% |
Both regimes include the 4% health & education cess, Section 87A rebate (nil normal-tax up to ₹12,00,000 total income in the new regime with marginal relief; ₹5,00,000 in the old) and surcharge with marginal relief (capped at 15% on 111A/112A gains; 25% overall in the new regime). Old-regime slabs: 5% (₹2.5–5L), 20% (₹5–10L), 30% (above ₹10L), with a higher basic exemption for senior / super-senior citizens. This is an estimate for a resident individual — indexation, set-off of brought-forward losses, and less-common exemptions are not modelled. For an exact computation, talk to us.
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CGST + SGST split shown for intra-state supply
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Equated Monthly Instalment on a reducing-balance loan