Which tax regime is better for a 15 lakh salary?

For 15 lakh gross with few deductions, the new regime usually wins because of its wider slabs and higher standard deduction. The old regime wins only when your 80C, 80D, NPS, and HRA deductions together are large. Enter your real numbers and compare the totals.

How does the tool apply the Section 87A rebate?

It applies the rebate when taxable income falls inside the eligible range and adds marginal relief where the rules require it. The output lists the rebate and relief as separate lines so you can see the effect.

Are my salary and deduction inputs sent to a server?

No. The calculator runs entirely in your browser and keeps inputs in local browser storage only. Nothing is uploaded, and you can clear the stored values at any time.

Does this cover capital gains or business income?

No. The tool covers salaried income with the standard deduction and common Chapter VI-A deductions. Capital gains, business income, and advance-tax rules are out of scope, so consult a tax professional for those cases.

Income Tax Calculator

Compare new vs old regime income tax for FY 2025-26 — taxable income, §87A rebate, marginal relief, surcharge, cess, and take-home pay. 100% client-side.

Annual income

Gross annual income

Before standard deduction. Commas are optional.

Tax regime

Switch to the Old regime to enter 80C, 80D, NPS and home-loan-interest deductions.

FY 2025-26 · Assumes standard deduction & §87A.

Estimated take-home

₹14,02,500

After ₹97,500 income tax · 6.5% effective rate

Taxable income

₹14,25,000

Slab tax

₹93,750

Rebate / Marginal relief

₹0

Surcharge

₹0

Cess (4%)

₹3,750

Total tax

₹97,500

Take-home

₹14,02,500

Effective rate

6.5%

New vs Old regime

New regime

₹97,500

Old regime

₹2,57,400

Saved with New regime — ₹1,59,900

Tax Filing Cheat Sheet

Get the FY 2025-26 deductions checklist, §87A rebate rules, and new-vs-old regime do's and don'ts.

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What problem does this solve?

Every Indian salaried taxpayer must pick between the new and old regimes, and the better choice changes with income and deductions. Doing slab math by hand invites mistakes. This tool computes tax under both regimes and shows which one leaves more take-home.

Built for: Indian salaried employees during tax season and at the annual regime declaration. Anyone planning 80C, 80D, NPS, or home-loan deductions before the financial year ends.

Worked example

Enter a gross salary of 1,500,000 INR for the financial year.
Leave the regime on new and see the tax with the standard deduction and the Section 87A rebate applied.
Switch to the old regime and add typical deductions: 150,000 under 80C, 25,000 under 80D, and 50,000 in NPS.
The tool shows slab tax, rebate, surcharge, and cess for each side, plus take-home under both.
Pick the regime with the lower total and keep proof of every deduction you claimed.

Common questions

Which tax regime is better for a 15 lakh salary?: For 15 lakh gross with few deductions, the new regime usually wins because of its wider slabs and higher standard deduction. The old regime wins only when your 80C, 80D, NPS, and HRA deductions together are large. Enter your real numbers and compare the totals.
How does the tool apply the Section 87A rebate?: It applies the rebate when taxable income falls inside the eligible range and adds marginal relief where the rules require it. The output lists the rebate and relief as separate lines so you can see the effect.
Are my salary and deduction inputs sent to a server?: No. The calculator runs entirely in your browser and keeps inputs in local browser storage only. Nothing is uploaded, and you can clear the stored values at any time.
Does this cover capital gains or business income?: No. The tool covers salaried income with the standard deduction and common Chapter VI-A deductions. Capital gains, business income, and advance-tax rules are out of scope, so consult a tax professional for those cases.

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