Calculators / Income Tax
Advanced Income Tax Calculator
The complete picture: salary, other income, every old-regime deduction, capital gains, surcharge with marginal relief, and cess. Old versus new, decided exactly.
Full income tax calculator for FY 2025-26: every deduction head, capital gains, surcharge with marginal relief, and cess, comparing old and new regimes.
Questions, answered
Does this include surcharge and cess?
Yes. For taxable income above 50 lakh it applies the correct surcharge slab with marginal relief, then 4 percent health and education cess. The new regime surcharge is capped at 25 percent, which this calculator reflects.
How are capital gains treated?
Long-term equity gains are taxed at 12.5 percent above the 1.25 lakh annual exemption, short-term equity at 20 percent, both plus cess. They are added on top of slab tax in both regimes, so they do not change which regime wins.
Which deductions carry into the new regime?
Only the standard deduction and the employer NPS contribution under 80CCD(2). Everything else, 80C, 80D, HRA, home loan interest, only counts in the old regime, which is why high-deduction filers sometimes still prefer it.
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