KitnaCalc — Free All-in-One Financial Calculator for India (FY 2025-26)
One place for every money calculation in India. Compare income tax new vs old regime
for FY 2025-26 (AY 2026-27), calculate GST with CGST/SGST/IGST split,
and plan investments with a SIP calculator, lumpsum, step-up SIP,
FD, RD and PPF calculator. Crunch loans with an
EMI calculator, prepayment savings and loan eligibility, and plan the future with
NPS, EPF, gratuity, HRA exemption and a
retirement corpus calculator. Everything runs in your browser — free, offline, no sign-up, no data leaves your device.
Income tax slabs FY 2025-26 — New Regime
| Income slab (₹) | Tax rate |
|---|
| 0 – 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% |
A ₹75,000 standard deduction and a rebate up to ₹60,000 (income ≤ ₹12 lakh) mean most salaried people earning up to ₹12.75 lakh pay no tax under the new regime.
Frequently asked questions
- Is the new tax regime better than the old regime in FY 2025-26?
- For most salaried taxpayers without large deductions, the new regime is now better because of the ₹4 lakh nil slab, ₹75,000 standard deduction and ₹60,000 rebate. The old regime can still win if your 80C, 80D, home-loan interest and HRA deductions are large. Use the Income Tax calculator to compare both instantly.
- Up to what income is there zero income tax in FY 2025-26?
- Under the new regime, salaried individuals pay zero tax on income up to ₹12.75 lakh (₹12 lakh after the ₹75,000 standard deduction), thanks to the Section 87A rebate.
- How is SIP return calculated?
- A SIP grows each monthly instalment at the expected rate of return, compounded monthly. This SIP calculator shows your total invested, estimated returns and final corpus for any amount, rate and tenure.
- How do I calculate an EMI?
- EMI = P × i × (1+i)ⁿ ÷ ((1+i)ⁿ − 1), where P is the loan, i the monthly interest rate and n the number of months. The EMI calculator also shows total interest and lets you test prepayment savings.
- Are these calculators free and accurate?
- Yes, completely free. They give close estimates based on standard formulas and FY 2025-26 rules, but are not a substitute for professional advice — confirm with a CA or the official Income Tax portal before filing.
income tax calculator Indianew vs old regimeFY 2025-26
GST calculatorSIP calculatorEMI calculator
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HRA exemptionretirement calculatorlumpsum calculator