Income Tax Calculator (Old vs New Regime) | HindiLoan.online

Income Tax Calculator — Old vs New Regime

Yeh deductions sirf Old Regime mein count hoti hain
Old Regime Tax
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New Regime Tax
₹0
Old Regime₹0
New Regime₹0

Yeh Income Tax Calculator kya hai?

India mein aap do tax regime mein se choose kar sakte hain — Old Regime (jyada deductions, thoda zyada slab rate) ya New Regime (kam deductions, lekin lower slab rates aur bada rebate). Yeh calculator dono regime mein aapka tax compare karke batata hai kaun sa option aapke liye behtar hai.

Formula kaise kaam karta hai

Old Regime: Standard Deduction (₹50,000) aur aapki deductions (80C, 80D, HRA etc.) income se minus hoti hain, phir slab-wise tax lagta hai (2.5L tak Nil, phir 5%, 20%, 30% — senior/super senior citizens ke liye limit thodi relaxed hai). Agar taxable income ₹5L se kam hai to Section 87A rebate se tax zero ho jata hai.

New Regime: Sirf Standard Deduction (₹75,000) milta hai, baaki deductions allowed nahi. Slabs: 4L tak Nil, phir 5% se 30% tak step-by-step. Agar taxable income ₹12L tak hai to Section 87A rebate se tax zero ho jata hai. Dono regime mein final tax par 4% Health & Education Cess add hota hai.

Iske fayde / kab use karein

Har financial year ITR file karne se pehle ya salary structure decide karte waqt yeh calculator use karke aap turant pata laga sakte hain ki aapko kitna deduction claim karne par Old Regime fayda dega, ya New Regime ka simple structure hi better hai.

FAQs

Q: Default regime kaun sa hai?
A: New Tax Regime ab default hai, lekin ITR file karte waqt aap Old Regime bhi choose kar sakte hain.
Q: Kya main har saal regime badal sakta hoon?
A: Salaried individuals har saal switch kar sakte hain, business income wale limited baar switch kar sakte hain.
Q: HRA aur home loan interest kis regime mein milta hai?
A: Yeh dono sirf Old Regime mein claim kiye ja sakte hain.

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