HRA Exemption Calculator
Find how much of your house rent allowance is tax-free under the old regime.
Income tax calculator, FY 2025-26 (AY 2026-27)
Enter your income and deductions to compare the two regimes. This is an estimate for planning: please check with your CA before filing.
Your files stay with you. Your files never leave your browser. This tool runs on your device: nothing is uploaded to our servers, so there is nothing for us to store or see.
How to use it
- Enter your yearly salary and other income.
- Tick the box to add old-regime deductions such as 80C, 80D and home loan interest.
- Compare the tax under both regimes and note which is lower.
Questions people ask
Which tax year does this calculator use?
Financial year 2025-26, assessment year 2026-27, the income you earn from 1 April 2025 to 31 March 2026 and report in your return filed in 2026. The page title says so, because rates change with each Budget.
Is income up to Rs 12 lakh really tax-free?
Under the new regime, yes: taxable income up to Rs 12 lakh pays no tax because of a rebate of up to Rs 60,000. A salaried person with the Rs 75,000 standard deduction reaches Rs 12.75 lakh of salary tax-free. The rebate does not cover tax on capital gains taxed at special rates.
Which regime is better for me?
The tool shows both. The old regime tends to win only when your deductions (80C, HRA, home loan interest, NPS and others) are large, often above 3 to 4 lakh rupees. Many salaried people with fewer deductions pay less under the new regime.
What is not included?
Capital gains at special rates, agricultural income, business income rules, surcharge marginal relief above Rs 50 lakh, and tax already deducted or paid (TDS and advance tax). It is an estimate. Please check with your CA.
Can I rely on this to file my return?
No. Use it to plan and compare. File using the Income Tax portal or with a chartered accountant, who can account for everything in your situation.
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