Income Tax Calculator (New Regime)
Saal ke aakhir me sabse bada sawaal — kitna tax bharna padega? Ye calculator New Regime ke slab ke hisaab se aapka anuman nikaalta hai. Saalana income daalein, batayein salaried hain ya nahi, aur jawab turant paayein.
New Regime ke slab (FY 2025-26)
- ₹4 lakh tak — 0%
- ₹4-8 lakh — 5%
- ₹8-12 lakh — 10%
- ₹12-16 lakh — 15%
- ₹16-20 lakh — 20%
- ₹20-24 lakh — 25%
- ₹24 lakh se upar — 30%
Slab kaise lagta hai
Bahut se log samajhte hain ki agar income slab paar kar gayi to poori income par wahi bada rate lag jaata hai. Aisa nahi hota. Tax tukdon me lagta hai — pehle ₹4 lakh par 0%, agle ₹4 lakh par 5%, aur aage isi tarah. Isliye ₹1 zyada kamane se kabhi bhi haath me kam paisa nahi aata.
Aakhir me kul tax par 4% health & education cess alag se jodta hai.
New Regime kis ke liye theek
New Regime me rate kam hain par 80C, HRA, home loan byaj jaisi chhoot lagbhag nahi milti. Isliye ye un logon ke liye behtar hai jinke deductions kam hain — jaise naye job wale ya jinke paas home loan/bade nivesh nahi. Agar aapke deductions bade hain to Old Regime saste pad sakta hai. Dono ki tulna zaroor kar lein.
Dhyan rakhein
Ye ek anuman hai. Capital gains, business income, doosre srot ki kamai aur special rate wale mamlon ka hisaab alag hota hai. Filing se pehle taaza slab incometax.gov.in par confirm karein ya CA se salah lein.
Teen asli misaal — number ke saath
Misaal 1 — ₹7 lakh salary. New Regime me standard deduction ke baad taxable income ghat jaati hai, aur rebate ki wajah se aam taur par tax zero ban jaata hai. Isi liye is aas-paas ki salary walon ke liye New Regime aksar seedha aur faydemand rehta hai.
Misaal 2 — ₹12 lakh salary. Yahan slab ka asar dikhna shuru hota hai. New Regime me bina kisi nivesh ke tax banta hai; Old Regime me 80C (₹1.5 lakh), HRA, home loan byaj aur health insurance milakar taxable income kaafi ghat sakti hai. Agar aapke ye sab deduction poore ho rahe hain, tabhi Old Regime jeet sakta hai.
Misaal 3 — ₹20 lakh salary. Oonchi income par slab ka farak bada ho jaata hai. Yahan faisla poori tarah is baat par nirbhar hai ki aapke paas kitni deduction hain. Sirf 80C ke ₹1.5 lakh se aam taur par Old Regime nahi jeetta — usme HRA ya home loan byaj bhi hona chahiye.
Log yahan galti kya karte hain
- Poori salary par slab lagana. Tax poori income par ek hi rate se nahi lagta — har slab par uska apna rate lagta hai. ₹12 lakh kamane wala poore ₹12 lakh par sabse oonchi dar nahi deta.
- Standard deduction bhool jaana. Salaried logon ko ye apne aap milta hai — koi nivesh nahi karna padta. Kai log ise hisaab me hi nahi lete.
- Sirf tax bachane ke liye galat jagah nivesh karna. ₹1.5 lakh ki chhoot ke liye kharab insurance policy le lena — ye tax to bacha deta hai par 15 saal ka paisa phansa deta hai. Pehle nivesh achha hona chahiye, tax ka fayda baad me.
- Regime saal ke shuru me hi tay maan lena. Salaried log aam taur par har saal ITR bharte waqt regime chun sakte hain. Company ko jo bataya tha, wo aakhri faisla nahi hota.
- Doosri income chhupa jaana. FD ka byaj, savings account ka byaj, freelance ki income, capital gain — ye sab total income me judte hain. Form 26AS aur AIS me ye Google ko pehle se dikh raha hota hai.
Bharat me khaas dhyan dene layak
- Cess: jo tax banta hai uspar ek atirikt cess bhi lagta hai — isliye asli tax calculator ke number se thoda zyada aata hai.
- TDS aur tax alag cheez: company ne TDS kaat liya iska matlab tax poora nahi ho gaya. Agar aapki doosri income hai to ITR bharte waqt aur tax dena pad sakta hai.
- Form 15G/15H: agar aapki total income tax ke daayre me nahi aati, to bank ko ye form dekar FD par TDS katna rukwa sakte hain.
- Advance tax: agar saal ka tax ek tay rakam se zyada banta hai, to use kist me pehle hi bharna hota hai — warna byaj lagta hai. Freelancer aur trader ke liye ye khaas zaroori hai.
- Slab har saal badal sakte hain: budget me niyam badalte rehte hain. Bade faisle se pehle incometax.gov.in par taaza slab zaroor dekh lein.
Tax ke saath ye tools bhi dekh lein
- Old vs New Regime — dono ka tax saath-saath dikhata hai
- HRA Exemption Calculator — kitna HRA tax-free hai
- CTC to In-Hand Salary — haath me kitna aayega
- TDS Calculator
- Old vs New Regime Guide aur Income Tax Guide
Aksar pooche jaane wale sawaal
₹12 lakh tak tax zero kaise?
Section 87A rebate ke chalte New Regime me ₹12 lakh tak taxable income par tax shunya ho jaata hai. Salaried ko ₹75,000 standard deduction alag se milta hai.
Slab paar karne par poori income par tax lagta hai?
Nahi. Tax tukdon me lagta hai — har slab ki rakam par uska apna rate. Zyada kamane se haath me kam paisa kabhi nahi aata.
Cess kya hai?
Kul tax par 4% health & education cess lagta hai, jo tax ke upar alag se jodta hai.
New ya Old Regime — kaunsa chunein?
Deductions kam hain to aam taur par New, bade hain to Old. Dono ka number nikaal kar tulna karna sabse sahi tarika hai.
Kya ye calculator final tax batata hai?
Nahi, ye anuman hai. Capital gains aur business income ka hisaab alag hota hai — CA se confirm karein.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Rules badalte rehte hain, isliye bade faisle se pehle seedha yahan ek baar dekh lein: