{"id":2211,"date":"2026-09-17T14:00:00","date_gmt":"2026-09-17T08:30:00","guid":{"rendered":"https:\/\/digitoolkit.in\/blog\/?p=2211"},"modified":"2026-09-15T10:29:49","modified_gmt":"2026-09-15T04:59:49","slug":"how-to-calculate-tax-new-regime-step-by-step","status":"publish","type":"post","link":"https:\/\/digitoolkit.in\/blog\/how-to-calculate-tax-new-regime-step-by-step\/","title":{"rendered":"How to Calculate Tax Under the New Regime (Step by Step) &#8211; India"},"content":{"rendered":"<div style='background:#f2f7fb;border-left:4px solid #2271b1;padding:16px 20px;margin:0 0 24px;border-radius:4px;'>\n<p><strong>Quick Answer:<\/strong> To calculate tax under India new tax regime for FY 2025-26 (AY 2026-27), subtract the standard deduction of &#8377;75,000 from your salary, apply the seven slab rates (nil up to &#8377;4 lakh, then 5% to 30%), subtract the Section 87A rebate of up to &#8377;60,000 if taxable income is &#8377;12 lakh or less, and add 4% health and education cess. Salaried individuals earning up to &#8377;12.75 lakh pay zero tax.<\/p>\n<p><strong>Key takeaways:<\/strong><\/p>\n<ul>\n<li>The new regime is the default regime from FY 2023-24 onward and offers lower slab rates but almost no deductions.<\/li>\n<li>FY 2025-26 slabs: nil up to &#8377;4L, 5% (&#8377;4-8L), 10% (&#8377;8-12L), 15% (&#8377;12-16L), 20% (&#8377;16-20L), 25% (&#8377;20-24L), 30% above &#8377;24L.<\/li>\n<li>Standard deduction of &#8377;75,000 applies to salaried taxpayers and pensioners.<\/li>\n<li>Section 87A rebate of up to &#8377;60,000 makes income up to &#8377;12 lakh (or &#8377;12.75 lakh for the salaried) fully tax-free.<\/li>\n<li>A 4% health and education cess is added on the final tax amount.<\/li>\n<\/ul>\n<\/div>\n<p>Since the 2020 Union Budget, India has run two parallel income-tax systems, and the new tax regime is now the default option for every individual taxpayer. If you do not actively choose the old regime while filing, the Income Tax Department computes your tax using the new-regime slabs automatically. Knowing exactly how the calculation works helps you avoid nasty surprises at filing time and decide whether the new regime actually saves you money. This guide walks through the full calculation for FY 2025-26 (assessment year 2026-27), using the current slabs notified by the Ministry of Finance and worked examples in Indian rupees.<\/p>\n<p>The quickest way to run the numbers is to use a free <a href='https:\/\/digitoolkit.in\/calculators\/new-tax-regime-calculator\/'>new tax regime calculator<\/a>, but understanding the manual steps means you can sanity-check any tool and plan your salary structure in advance.<\/p>\n<blockquote>\n<p><strong>Key takeaway:<\/strong> The new regime trades away deductions like 80C and HRA in exchange for wider, lower slabs and a large Section 87A rebate that wipes out tax for most middle-income earners.<\/p>\n<\/blockquote>\n<h2>New Tax Regime Slabs for FY 2025-26 (AY 2026-27)<\/h2>\n<p>The slab structure below was set in Budget 2025 and continues unchanged for the assessment year 2026-27. These rates apply to resident individuals, Hindu Undivided Families, and most other individual taxpayers under Section 115BAC.<\/p>\n<table>\n<thead>\n<tr>\n<th>Annual Taxable Income (&#8377;)<\/th>\n<th>Tax Rate<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Up to 4,00,000<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>4,00,001 to 8,00,000<\/td>\n<td>5%<\/td>\n<\/tr>\n<tr>\n<td>8,00,001 to 12,00,000<\/td>\n<td>10%<\/td>\n<\/tr>\n<tr>\n<td>12,00,001 to 16,00,000<\/td>\n<td>15%<\/td>\n<\/tr>\n<tr>\n<td>16,00,001 to 20,00,000<\/td>\n<td>20%<\/td>\n<\/tr>\n<tr>\n<td>20,00,001 to 24,00,000<\/td>\n<td>25%<\/td>\n<\/tr>\n<tr>\n<td>Above 24,00,000<\/td>\n<td>30%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Note that these are marginal rates. A 5% rate on the &#8377;4-8 lakh band does not mean your whole income is taxed at 5%; only the portion that falls inside that band is. This is the single most misunderstood part of Indian income tax, so we will work through it slowly below.<\/p>\n<h2>How to Calculate New Regime Tax: Step by Step<\/h2>\n<p>Follow these six steps in order. The same sequence is used by the Income Tax Department utility and by every reliable online calculator.<\/p>\n<ol>\n<li><strong>Add up your gross total income.<\/strong> Include salary, interest from fixed deposits and savings accounts, rental income, capital gains, and any other taxable receipts for the financial year (1 April 2025 to 31 March 2026).<\/li>\n<li><strong>Subtract the standard deduction.<\/strong> Salaried individuals and pensioners get a flat &#8377;75,000 standard deduction under the new regime. Business and professional income does not get this.<\/li>\n<li><strong>Apply the slab rates band by band.<\/strong> Work up from the lowest slab, taxing only the income that falls in each band.<\/li>\n<li><strong>Total the slab tax.<\/strong> Add the tax from every band to get your gross tax liability.<\/li>\n<li><strong>Subtract the Section 87A rebate.<\/strong> If your taxable income is &#8377;12 lakh or less, you get a rebate of up to &#8377;60,000, which usually reduces your tax to zero.<\/li>\n<li><strong>Add 4% health and education cess.<\/strong> Multiply the tax after rebate by 1.04 to arrive at the final amount payable.<\/li>\n<\/ol>\n<h2>Worked Example 1: Salary of &#8377;16 Lakh<\/h2>\n<p>Suppose Priya, a software engineer in Pune, earns a gross salary of &#8377;16,00,000 in FY 2025-26. Here is how her tax is built up.<\/p>\n<ul>\n<li>Gross salary: &#8377;16,00,000<\/li>\n<li>Less standard deduction: &#8377;75,000<\/li>\n<li>Taxable income: &#8377;15,25,000<\/li>\n<\/ul>\n<p>Now the slab tax, band by band: nil on the first &#8377;4 lakh; 5% of &#8377;4 lakh = &#8377;20,000; 10% of &#8377;4 lakh = &#8377;40,000; and 15% of the remaining &#8377;3,25,000 = &#8377;48,750. That totals &#8377;1,08,750. Because her taxable income of &#8377;15.25 lakh is above &#8377;12 lakh, she does not get the 87A rebate. Adding 4% cess (&#8377;4,350) gives a final tax of <strong>&#8377;1,13,100<\/strong>.<\/p>\n<h2>Worked Example 2: Salary of &#8377;12.5 Lakh (Zero Tax)<\/h2>\n<p>Now take Arjun, a marketing manager in Hyderabad, on a gross salary of &#8377;12,50,000. After the &#8377;75,000 standard deduction, his taxable income is &#8377;11,75,000, which is below the &#8377;12 lakh threshold. His slab tax works out to &#8377;20,000 (5% band) plus &#8377;37,500 (10% on &#8377;3,75,000), a total of &#8377;57,500. The Section 87A rebate of up to &#8377;60,000 fully covers this, so Arjun pays <strong>zero income tax<\/strong>. This is why the new regime is described as making income up to &#8377;12.75 lakh tax-free for salaried people.<\/p>\n<h2>Worked Example 3: Salary of &#8377;24 Lakh<\/h2>\n<p>For a senior professional earning &#8377;24,00,000, the taxable income after standard deduction is &#8377;23,25,000. The slab tax adds up to &#8377;20,000 + &#8377;40,000 + &#8377;60,000 + &#8377;80,000 + &#8377;81,250 = &#8377;2,81,250, and with 4% cess the final liability is <strong>&#8377;2,92,500<\/strong>. At this income level the new regime is usually cheaper than the old regime unless you have very large deductions.<\/p>\n<h2>New Regime vs Old Regime: Quick Comparison<\/h2>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>New Regime<\/th>\n<th>Old Regime<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Slab rates<\/td>\n<td>Lower, wider bands<\/td>\n<td>Higher rates<\/td>\n<\/tr>\n<tr>\n<td>Standard deduction<\/td>\n<td>&#8377;75,000<\/td>\n<td>&#8377;50,000<\/td>\n<\/tr>\n<tr>\n<td>80C, 80D, HRA, home-loan interest<\/td>\n<td>Mostly not allowed<\/td>\n<td>Allowed<\/td>\n<\/tr>\n<tr>\n<td>Section 87A rebate<\/td>\n<td>Up to &#8377;60,000 (income up to &#8377;12L)<\/td>\n<td>Up to &#8377;12,500 (income up to &#8377;5L)<\/td>\n<\/tr>\n<tr>\n<td>Best for<\/td>\n<td>Those with few deductions<\/td>\n<td>Those with large investments and loans<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Benefits of the New Regime<\/h2>\n<p>The new regime is attractive for a growing share of Indian taxpayers, especially younger earners and those who do not have a home loan or heavy 80C investments. Because it does not require proof of deductions, filing is simpler and faster, and there is less paperwork to preserve. The generous 87A rebate means a very large group of salaried Indians now pays no tax at all, which improves take-home pay every month. For anyone comparing options, it is worth checking your numbers against a <a href='https:\/\/digitoolkit.in\/blog\/how-to-calculate-tax-bracket-india\/'>tax bracket guide<\/a> as well, since your marginal rate drives every planning decision.<\/p>\n<h2>Challenges and Limitations<\/h2>\n<p>The main limitation is that the new regime strips away almost every deduction and exemption. If you pay a large amount of house rent, service a home loan, or invest heavily in PPF, ELSS, or life insurance, the old regime may still leave more money in your pocket. The new regime also does not allow you to set off most Chapter VI-A deductions, so tax planning becomes less flexible. Finally, once you have business income and opt out of the new regime, re-entering it is restricted, so professionals must choose carefully.<\/p>\n<h2>Common Mistakes to Avoid<\/h2>\n<ul>\n<li><strong>Taxing the whole income at one rate.<\/strong> Slabs are marginal; only income inside each band is taxed at that band rate, never the entire salary.<\/li>\n<li><strong>Forgetting the standard deduction.<\/strong> Many people compute tax on gross salary and overpay; always subtract the &#8377;75,000 first if you are salaried.<\/li>\n<li><strong>Assuming 87A applies at any income.<\/strong> The rebate vanishes the moment taxable income crosses &#8377;12 lakh, so &#8377;12,00,001 is taxed very differently from &#8377;12,00,000.<\/li>\n<li><strong>Ignoring the 4% cess.<\/strong> The health and education cess is added on top of the slab tax and is easy to miss.<\/li>\n<li><strong>Claiming old-regime deductions.<\/strong> You cannot claim HRA, 80C, or 80D under the new regime, so do not build them into your estimate.<\/li>\n<li><strong>Not comparing both regimes.<\/strong> The default is the new regime, but the old one can still win for high-deduction taxpayers.<\/li>\n<\/ul>\n<h2>Best Practices and Expert Recommendations<\/h2>\n<ul>\n<li><strong>Run both regimes every year.<\/strong> Your deductions change, so the better regime can flip from one year to the next; recompute before filing.<\/li>\n<li><strong>Use the marginal relief check near &#8377;12 lakh.<\/strong> Just above the rebate threshold, marginal relief limits how much extra tax you pay, so verify it.<\/li>\n<li><strong>Structure your salary early.<\/strong> If you plan to stay in the new regime, negotiate more taxable cash rather than allowances you can no longer exempt.<\/li>\n<li><strong>Keep Form 16 and AIS handy.<\/strong> Reconcile your computed income with the Annual Information Statement on the income tax portal.<\/li>\n<li><strong>Account for all income heads.<\/strong> Interest, capital gains, and rent are taxable even if no TDS was deducted.<\/li>\n<li><strong>File before the due date.<\/strong> Choosing a regime is easiest when you file on time rather than under a belated return.<\/li>\n<\/ul>\n<div data-dtk-related=\"1\" style=\"background:#f8f9fb;border:1px solid #e2e8f0;border-radius:6px;padding:16px 20px;margin:28px 0;\"><strong>Related tools &amp; guides on DigiToolkit<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/digitoolkit.in\/calculators\/new-tax-regime-calculator\/\">Try the free New Tax Regime Calculator &rarr;<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/new-tax-regime-formula-explained-examples\/\">New Tax Regime Formula Explained with Examples (FY 2025-26)<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/what-is-the-new-tax-regime-simple-guide\/\">What Is the New Tax Regime? A Simple Guide (India)<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/new-tax-regime-calculator-online-tool-guide\/\">New Tax Regime Calculator: Free Online Tool + Guide<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/new-tax-regime-examples-for-beginners\/\">New Tax Regime Examples for Beginners (AY 2026-27)<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/what-is-stamp-duty-simple-guide\/\">What Is Stamp Duty? A Simple Guide for Indian Home Buyers<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/stamp-duty-formula-explained-examples\/\">Stamp Duty Formula Explained with Examples (India)<\/a><\/li>\n<li><a href=\"https:\/\/digitoolkit.in\/blog\/category\/tax-salary\/\">More Tax &amp; Salary guides<\/a><\/li>\n<\/ul>\n<\/div>\n<h2>Frequently Asked Questions<\/h2>\n<p><strong>Is the new tax regime better than the old one?<\/strong><br \/>It depends on your deductions. If you claim little under 80C, HRA, or home-loan interest, the new regime is usually cheaper because of its lower slabs and larger rebate. If you have substantial deductions, the old regime can still win, so compare both each year.<\/p>\n<p><strong>What income is tax-free under the new regime for FY 2025-26?<\/strong><br \/>A salaried individual can earn up to &#8377;12.75 lakh with zero tax, thanks to the &#8377;75,000 standard deduction plus the Section 87A rebate on taxable income up to &#8377;12 lakh. For non-salaried individuals, the tax-free ceiling is &#8377;12 lakh.<\/p>\n<p><strong>Can I switch back to the old regime?<\/strong><br \/>Salaried taxpayers with no business income can choose their regime afresh every financial year while filing. Those with business or professional income face restrictions on switching back and forth under Section 115BAC.<\/p>\n<p><strong>Does the new regime allow the standard deduction?<\/strong><br \/>Yes. Since FY 2023-24, salaried individuals and pensioners get a standard deduction, currently &#8377;75,000, even under the new regime. Most other deductions such as 80C are still not available.<\/p>\n<p><strong>How is the 87A rebate calculated?<\/strong><br \/>If your taxable income is &#8377;12 lakh or less, the rebate equals your entire tax, capped at &#8377;60,000, so your net tax becomes zero. Above &#8377;12 lakh the rebate is not available, though marginal relief applies just beyond the threshold.<\/p>\n<p><script type='application\/ld+json'>{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is the new tax regime better than the old one?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on your deductions. With few deductions the new regime is usually cheaper due to lower slabs and a larger rebate; with large deductions the old regime can win, so compare both each year.\"}},{\"@type\":\"Question\",\"name\":\"What income is tax-free under the new regime for FY 2025-26?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A salaried individual can earn up to Rs 12.75 lakh tax-free thanks to the Rs 75,000 standard deduction plus the Section 87A rebate on taxable income up to Rs 12 lakh. Non-salaried individuals get up to Rs 12 lakh.\"}},{\"@type\":\"Question\",\"name\":\"Can I switch back to the old regime?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Salaried taxpayers without business income can choose their regime every year at filing. Those with business income face restrictions on switching under Section 115BAC.\"}},{\"@type\":\"Question\",\"name\":\"Does the new regime allow the standard deduction?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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