Compare Old vs New Regimes with AI-driven insights. Calculate your deductions, 80C, HRA, and Standard Deductions with real-time tax-saving recommendations.
New Regime
₹0
0% Effective TaxOld Regime
₹0
0% Effective Tax✨ Optimization: Switching saves you ₹0 annually!
Income Tax Calculator Online – Compare Old vs New Regime (FY 2025-26)
Income Tax Calculator Online by T4tool is a high-performance financial dashboard designed to simplify tax planning for Indian taxpayers. Whether you are a salaried professional or a business owner, our tool helps you calculate your tax liability for Financial Year 2025-26 (Assessment Year 2026-27) with absolute precision.
With recent changes in the Union Budget, choosing between the Old Tax Regime and the New Tax Regime has become complex. T4tool Advanced Tax Engine automatically compares both regimes based on your income and deductions (like 80C, HRA, and Standard Deduction) to recommend the best option for you.
Why Use T4tool Income Tax Pro?
This Smart Tax Optimizer is built with a premium glassmorphism interface, making tax calculation fast, visual, and secure. Unlike traditional calculators, we provide a real-time "Savings Advice" that tells you exactly how much money you save by switching regimes.
- ✔ FY 2025-26 Ready: Updated with latest tax slabs and ₹75,000 Standard Deduction.
- ✔ Regime Comparison: Side-by-side view of Old vs New Tax Regimes.
- ✔ Deduction Tracker: Support for Section 80C, 80D, HRA, and other exemptions.
- ✔ Tax Saving Insights: Automatic recommendations to reduce your tax to zero.
- ✔ Privacy First: No data is uploaded; all tax calculations happen locally in your browser.
Safe & Secure Tax Planning
Your financial data is sensitive. That’s why T4tool Income Tax Pro does not store or track your income details. The tool works entirely inside your browser, ensuring that your salary and investment information remains 100% private and secure.
T4tool is designed for the modern user — no ads, no registration, and no complex forms. Just enter your income and get your tax summary in seconds.
How to Calculate Income Tax Online?
Using the T4tool Income Tax Dashboard is extremely easy:
- Enter your Annual Gross Salary.
- Input your Investments under Section 80C (LIC, PPF, ELSS, etc.).
- Add your House Rent (HRA) and other eligible deductions.
- Review the Regime Cards to see which option gives you the lowest tax.
The dashboard will highlight the "Best Choice" with a green badge and show your effective tax rate instantly.
Who Should Use This Tax Tool?
- Salaried Employees: To plan TDS and monthly take-home pay.
- Freelancers & Professionals: To estimate advance tax payments.
- HR Professionals: To help employees understand tax benefits.
- Finance Students: To learn the difference between various tax slabs.
Frequently Asked Questions (FAQs)
Not necessarily. While the New Regime offers lower rates and higher rebates (up to ₹12 Lakh for FY 25-26), the Old Regime might still be better if you have high deductions like Home Loan interest or HRA.
For the current financial year, the Standard Deduction has been increased to ₹75,000 for both New and Old tax regimes.
This specific tool is optimized for FY 2025-26 (AY 2026-27). For previous years, tax slabs might vary slightly.
Yes. T4tool is a privacy-first platform. All calculations are performed on your device (client-side), so no data is sent to our servers.
Yes, our calculator automatically adds the 4% Health & Education Cess to your final tax liability for total accuracy.