Does crossing into a higher slab raise the tax on all my income?

No. Each slab rate applies only to the income within that band. The slab table prints the amount taxed at each rate so you can see exactly how much falls where.

Which regime should I choose?

Run both, which this does automatically. With few deductions the new regime almost always wins. With a substantial housing loan interest claim, a full 80C, medical premiums and rent, the old one can still be cheaper.

What is the rebate and why does it create a cliff?

Section 87A removes the liability entirely for taxable income below a threshold. Just above it the tax appears in full, so a small rise in income can cost disproportionately. Marginal relief softens this in practice and is not modelled here.

Which financial year does this use?

The year is stated on every result, and the figures are not updated automatically after a Budget. Check the stated year against the one you are filing for before relying on the output.

Income Tax Calculator

Tax under both regimes side by side, slab by slab.

Everything runs inside your browser. Your files never leave your device.

Result

The result appears here as you type.

Ask about Income Tax Calculator

Questions about what this tool does, which option to pick, or what it can and cannot handle.

The question you type here is sent to an AI provider to be answered — your files and whatever you put in the tool above are not, and the assistant cannot see them. Answers are generated and can be wrong. The tool itself is not guessing: it runs deterministic code on your device.

About the Income Tax Calculator

This works out tax under both Indian regimes and prints them side by side, because choosing between them is the only decision most salaried people actually have to make here.

The calculation is shown slab by slab rather than as a single figure. Each band of income is taxed at its own rate — the thirty per cent band applies only to income above its threshold, never to the whole amount — and a surprising number of people believe crossing a slab boundary raises the tax on everything below it. Seeing the bands listed with their own amounts settles that permanently.

Two features deserve care. The section 87A rebate wipes out the liability entirely below a threshold of taxable income, which creates a genuine cliff: a rupee of extra income near that line can cost far more than a rupee of tax. Marginal relief exists to soften the edge and is not modelled here, so figures immediately above the threshold read slightly harsher than they finally are. The other is that deductions beyond the standard one belong almost entirely to the old regime — enter them and the new-regime calculation correctly ignores them rather than quietly applying deductions that do not exist there.

The comparison at the bottom runs your figures through the other regime and names the cheaper one. For most people with few deductions the new regime wins comfortably; for someone with a large housing loan interest claim, a full 80C, health premiums and rent, the old one can still come out ahead. There is no rule of thumb that beats running both.

Slabs are statute and this page states the financial year it encodes rather than assuming it is current.

How to use it

1Enter your gross salary for the year, before any deductions.
2Pick a regime — the other one is computed automatically for comparison.
3If you are on the old regime, add up your deductions and enter the total.
4Read the slab table, then the comparison at the bottom naming the cheaper regime.

Questions

Does crossing into a higher slab raise the tax on all my income?: No. Each slab rate applies only to the income within that band. The slab table prints the amount taxed at each rate so you can see exactly how much falls where.
Which regime should I choose?: Run both, which this does automatically. With few deductions the new regime almost always wins. With a substantial housing loan interest claim, a full 80C, medical premiums and rent, the old one can still be cheaper.
What is the rebate and why does it create a cliff?: Section 87A removes the liability entirely for taxable income below a threshold. Just above it the tax appears in full, so a small rise in income can cost disproportionately. Marginal relief softens this in practice and is not modelled here.
Which financial year does this use?: The year is stated on every result, and the figures are not updated automatically after a Budget. Check the stated year against the one you are filing for before relying on the output.