Income Tax Calculator for Govt Employees
New vs Old Regime comparison with Budget 2025 slabs and ₹75,000 standard deduction
Monthly Income
Monthly Tax Deduction (TDS)
₹7,145/month
Effective Rate
6.7%
New Regime Tax Slabs (FY 2025-26)
| Income Range | Rate |
|---|---|
| Up to ₹3,00,000 | Nil |
| ₹3L–₹7L | 5% |
| ₹7L–₹10L | 10% |
| ₹10L–₹12L | 15% |
| ₹12L–₹15L | 20% |
| Above ₹15L | 30% |
* Tax rebate u/s 87A: Nil tax if taxable income ≤ ₹7L under New Regime. Standard deduction ₹75,000 (Budget 2025).
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Frequently Asked Questions
For most govt employees, the New Regime is better if they don't have large deductions (80C, HRA, home loan). With a standard deduction of ₹75,000 and lower slabs, the new regime saves tax for most salaries up to ₹15-17 lakh.
Under the new tax regime, if total income is up to ₹7 lakh, you get a full tax rebate under Section 87A, making your effective tax ₹0. This rebate was increased in Budget 2023.
The standard deduction in the new tax regime is ₹75,000 for salaried employees (increased in Budget 2024). Under the old regime, it remains ₹50,000.
Key deductions: Section 80C (up to ₹1.5L — PF, PPF, ELSS), 80CCD(1B) (NPS up to ₹50,000 extra), HRA exemption under Section 10(13A), home loan interest under 24(b), and standard deduction of ₹50,000.