Understand your income tax, step by step
Whether you are a salaried employee, an investor with capital gains, or a small business under the presumptive scheme, these guides explain Indian income tax in plain English for the financial year 2025-26 (assessment year 2026-27). Each topic links to our free calculator so you can put the numbers to work.
📊 Income Tax Slabs FY 2025-26
The full new-regime slab table, the section 87A rebate that makes income up to ₹12 lakh tax-free, surcharge and cess.
Read the slab guide →⚖️ New vs Old Tax Regime
Which regime saves you more? Compare rates, deductions and break-even points for FY 2025-26.
Compare regimes →💸 Deductions & Exemptions
Standard deduction, 80C, 80D, 80CCD(2), HRA and what still applies under the new regime.
See deductions →📈 Capital Gains Tax
STCG, LTCG, section 111A & 112A rates, the ₹1.25 lakh LTCG exemption, and foreign shares.
Understand capital gains →🧭 Which ITR Form to File
ITR-1, ITR-2, ITR-3 or ITR-4? A quick eligibility guide for individuals and HUFs.
Find your form →📝 How to File Your ITR
A step-by-step walkthrough of the income-tax e-filing portal, from Form 16 to verification.
Filing walkthrough →Compute your income tax for free
Our calculator supports ITR-1, ITR-2 and ITR-4 for FY 2025-26 — salary, house property, capital gains, surcharge, cess, section 87A rebate and foreign tax credit. Upload your Form 16 / AIS to auto-fill, or enter figures manually with per-field portal guidance.
Open the ITR Calculator →New-regime income tax slabs at a glance (FY 2025-26)
| Total income | Tax rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Why AJ-Tech?
AJ-Tech was built by a network administrator who filed his own income tax for years and got tired of the tax computation being a black box. Every filing season brings fresh scams — agents inflating deductions, fake "guaranteed refund" schemes, and middlemen who leave the honest taxpayer facing the notice. The fix is simple: if you can see how your tax is calculated, nobody can fool you. That's what this free calculator and these guides are for.
Frequently asked questions
What is the income tax slab for FY 2025-26 under the new regime?
Income up to ₹4 lakh is nil, ₹4–8 lakh at 5%, ₹8–12 lakh at 10%, ₹12–16 lakh at 15%, ₹16–20 lakh at 20%, ₹20–24 lakh at 25%, and above ₹24 lakh at 30%. With the section 87A rebate, income up to ₹12 lakh is effectively tax-free.
Which ITR form should I file?
ITR-1 for simple salary income up to ₹50 lakh; ITR-2 for capital gains, multiple properties or foreign income; ITR-4 for presumptive business income up to ₹50 lakh. See our Which ITR guide.
Is the calculator free to use?
Yes — the ITR calculator is free. It is indicative; always verify against your AIS/TIS and consult a professional before filing.