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Entrovix AI

Income Tax Calculator

Estimates your income tax under both regimes so the comparison is a number rather than a guess, and shows which deductions are doing the work.

Runs in your browser — nothing is uploaded

Income and deductions
₹
₹

80C, 80D, home-loan interest, NPS — old regime only

What the standard deduction does

Both regimes give it automatically — ₹75,000 under the new regime, ₹50,000 under the old — so there is no need to include it above.

New regime

₹1,30,000

8.67% of gross income

Old regime

₹2,10,600

14.04% of gross income

The new regime saves you ₹80,600 a year

You would need ₹4,08,333 in deductions for the old regime to break even — ₹2,58,333 more than the ₹1,50,000 you have entered. Below that line the new regime is simply cheaper.
New regimeOld regime
Deductions applied₹75,000₹2,00,000
Taxable income₹14,25,000₹13,00,000
Tax on slabs₹1,25,000₹2,02,500
Section 87A rebate− ₹0− ₹0
Surcharge₹0₹0
Cess (4%)₹5,000₹8,100
Total tax₹1,30,000₹2,10,600

Check the year's rates before you file

These are the FY 2024-25 slabs. Rates, the standard deduction and the 87A rebate all move most budgets — treat this as a planning figure, not a return.
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Why use it

Built to be genuinely useful

Both regimes side by side

The new regime's lower rates against the old regime's deductions. Which wins depends entirely on your own numbers, and the only way to know is to run both.

Slab-by-slab working

Income is taxed in bands, not at one rate. Seeing the bands is what makes it obvious that a raise into a higher slab never reduces your take-home.

Nothing is uploaded

The arithmetic runs in your browser. Salary, marks and tax figures are nobody else's business, and none of it is sent anywhere.

Free, no sign-up

No account, no limit on how many times you run it, and no result held back.

How it works

Three steps

  1. 1

    Enter your income and the deductions you can claim.

  2. 2

    Compare the two regimes.

  3. 3

    Read the tax due and the effective rate.

Slabs are marginal, and the fear about them is misplaced

A great many people believe that crossing into a higher slab taxes their whole income at the higher rate, and decline additional work because of it. That is not how it works. Each band is taxed at its own rate, and only the income inside the higher band pays the higher rate.

Earning ₹1 more than a threshold means paying the higher rate on that ₹1. Take-home never falls as income rises. The one genuine exception is a rebate that phases out at a threshold, where income just above the line can leave you slightly worse off — which is why the calculator shows the figure either side.

Choosing between the regimes

The new regime has lower rates and removes most exemptions — HRA, 80C, 80D and the rest. The old keeps them at higher rates. The comparison is arithmetic, and the answer depends on how much you genuinely claim rather than how much you could in principle.

As a rough guide, someone paying substantial rent with a full 80C and a home loan usually does better under the old regime; someone with few deductions almost always does better under the new one. Both sets of slabs are revised in most Budgets, so this is a calculation worth repeating each year rather than deciding once.

FAQ

Questions people ask

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