Pick your country and tax year. India compares old vs new regime side by side; other countries show your income tax band by band. Everything runs in your browser.
Enter the tax you've already paid this year (from your payslips or Form 26AS) to see whether you'd get a refund or still owe a balance, the same check that happens when you file your ITR.
This is an estimate. Your actual refund or dues are confirmed only when you file your Income Tax Return. TDS shown in Form 26AS is what counts.
Income tax is charged on your taxable income, not on your full salary. Your taxable income is what remains after subtracting the deductions you are allowed to claim. Understanding that one distinction clears up most of the confusion around tax.
India uses a progressive slab system. Your income is divided into bands, and each band is taxed at its own rate. A common myth is that earning a little more can push your entire income into a higher rate, that is not how it works. Only the portion of income that falls inside a higher band is taxed at that higher rate.
Since a few years ago, India has had two parallel systems, and you may choose the one that suits you:
So which is better? If you genuinely use large deductions, a fully invested 80C, a home loan, significant rent, the old regime can come out ahead. If your deductions are small, the new regime usually wins because of its lower rates. Rather than guessing, this calculator works out your tax under both regimes side by side and tells you which leaves more money in your hand. A flat 4% health and education cess is added on top of the tax in both regimes.
Switch the country toggle to the USA and the calculator estimates your federal income tax instead. American tax also uses progressive brackets, but the bands depend on your filing status, single, married filing jointly, or head of household, and a standard deduction is subtracted first. Note that this covers federal income tax only; it does not include FICA (Social Security and Medicare) or state income taxes, which vary from state to state.
TDS (Tax Deducted at Source) isn't a separate or extra tax, it's simply income tax collected in advance. Your employer deducts it from your salary each month, and banks deduct it on things like fixed-deposit interest, all deposited against your PAN. It shows up in your Form 26AS.
At the end of the year your total tax stays the same whether it was paid via TDS or directly, TDS only changes when it was paid. So if more was deducted than you actually owe, you get a refund; if less was deducted, you pay the balance. That final settlement happens when you file your Income Tax Return (ITR).
To check this here, work out your tax above, then open the optional "Already had tax deducted (TDS)?" section and enter what's already been paid. You'll see your estimated refund or balance due, compared against whichever regime you choose, the same logic the ITR system uses. Remember only the TDS reflected in your Form 26AS can actually be claimed.
You can also estimate income tax for the UK (England, Wales & Northern Ireland bands, excluding National Insurance), Canada (federal tax only, excluding provincial tax), Australia (resident rates, excluding the 2% Medicare levy) and the UAE (which has no personal income tax, so take-home equals gross). Each result notes what it includes and any simplifications.
All figures here are estimates to help you plan. For anything complex, capital gains, business income, or unusual situations, it is always worth confirming with a qualified tax professional.
India, the USA, the UK, Canada, Australia and the UAE. Pick a country and tax year from the dropdowns. India compares the old and new regimes; the others show your income tax by band. Coverage and any simplifications are noted under each result.
All the tax rules live in a single data file. When a new budget or IRS update arrives, that one file is updated and every year and country here reflects it, you always select the year you need from the dropdown.
It depends on the deductions you claim. The new regime has lower rates and a bigger rebate but removes most deductions; the old regime keeps 80C, 80D, HRA and home loan interest. Enter your numbers and the calculator shows which leaves more in hand.
Yes. For FY 2025-26 (AY 2026-27), a resident with taxable income up to 12,00,000 pays no tax under the new regime thanks to the Section 87A rebate. Budget 2026 left the new-regime slabs and this rebate unchanged, so the same applies for FY 2026-27 (AY 2027-28). For salaried people the 75,000 standard deduction lifts the tax free salary to about 12,75,000.
Yes, optionally. Work out your tax, then open the "Already had tax deducted (TDS)?" section and enter the tax already paid (from your payslips or Form 26AS). It shows your estimated refund or balance due. TDS isn't a separate tax, it's income tax paid in advance, so this just compares what you've paid against what you owe, like your ITR does.
It estimates federal income tax only, after your standard or itemized deduction and any pre tax contributions. It does not include FICA (Social Security and Medicare) or state income tax, which vary by state.
Read the guide: Old vs new tax regime: which is better? →
Last updated: August 2026. Tax rules and thresholds can change; we review this calculator whenever the applicable rules change. FY 2026-27 (AY 2027-28) reflects the position after Budget 2026, which made no change to the new-regime slabs or rebate; always confirm the current rules before filing.