7 Best Income Tax Calculators Online for FY 2025-26
We tested every major tax calculator in India. Here's which ones actually get the numbers right — and which ones waste your time.
Tax season is here, and the first thing most people do is Google "income tax calculator." You get dozens of results — ClearTax, Groww, the government portal, random finance blogs — and they all promise "accurate" calculations.
But are they all accurate? Do they all handle the Budget 2025 changes? Do they include marginal relief, surcharge, and cess properly?
We tested 7 of the most popular income tax calculators in India using the same set of inputs and compared their results. Here's what we found.
Quick Verdict
- Best overall: ITR Stats — instant results, old vs new side-by-side, marginal relief, surcharge, take-home salary, dark mode
- Best for detailed deductions: Groww — supports HRA breakdown, rental income, home loan interest separately
- Most authoritative: Income Tax Department — official but clunky UI
- Best for filing integration: ClearTax — calculator feeds directly into their filing product
What We Tested
For each calculator, we checked:
- Updated to FY 2025-26 Budget slabs (new regime: ₹4L/₹8L/₹12L/₹16L/₹20L/₹24L)
- Old vs New regime comparison side by side
- Marginal relief at rebate threshold (₹12L new regime, ₹5L old regime)
- Surcharge + cess calculations for income above ₹50L
- Deduction support — 80C, 80D, HRA, NPS, home loan
- Speed and UX — how fast do results appear? Is it mobile-friendly?
- No login required — can you use it without creating an account?
The 7 Best Income Tax Calculators
A clean, no-nonsense calculator built for speed and accuracy. Both regimes are calculated simultaneously as you type — no "calculate" button, no page reload. Results update in real-time with a clear visual showing which regime saves more and by how much.
Strengths
- Real-time results as you type
- Old vs New regime shown side-by-side
- Marginal relief at rebate + surcharge thresholds
- Take-home salary (yearly + monthly)
- Detailed slab-by-slab breakdown
- Dark mode, fast, no ads blocking input
- No login, no account needed
Limitations
- No HRA sub-calculator (enter exemption amount directly)
- No rental income / capital gains fields
- No PDF export of results
ClearTax is India's most well-known tax filing platform, and their calculator reflects that pedigree. It supports a wide range of income types (salary, house property, capital gains, other sources) and feeds results directly into their filing flow. Updated for Budget 2025 slabs.
Strengths
- Comprehensive income type support
- Capital gains, house property, business income
- Feeds into actual ITR filing product
- Well-known and trusted brand
Limitations
- Separate old/new regime tabs (not side-by-side)
- Heavy page with many ads and upsell banners
- Results require clicking "Calculate"
- Can feel overwhelming for simple salary calculations
Groww's calculator is one of the most detailed free options available. It has dedicated fields for gross salary, other sources, rental income, home loan interest (both self-occupied and let-out), and an integrated HRA sub-calculator with metro/non-metro selection. Updated for FY 2025-26.
Strengths
- Built-in HRA sub-calculator (basic, DA, rent, metro)
- Separate fields for self-occupied vs let-out home loan
- Shows both regimes with clear comparison
- Assessment year selector (AY 2024-25 to 2026-27)
- Clean, ad-light interface
Limitations
- Requires clicking "Calculate" button
- No real-time updates while typing
- No detailed slab breakdown shown
The government's own calculator on the e-Filing portal. By definition, it uses the exact same rules that CPC (Centralized Processing Centre) applies when processing your return. If there's ever a discrepancy between this and any third-party tool, the official one wins.
Strengths
- 100% authoritative — matches CPC processing
- Supports all ITR form types
- Always current with latest rules
Limitations
- Slow, dated interface
- May require logging into the e-filing portal
- No side-by-side regime comparison
- Not mobile-friendly
- Frequent downtime and server issues
Tax2Win is another popular filing platform with a solid free calculator. It walks you through a step-by-step flow — select assessment year, age, income type, deductions — and shows results at the end. Also offers CA-assisted filing services.
Strengths
- Step-by-step guided flow (good for beginners)
- Shows regime comparison with savings amount
- Supports business and professional income
Limitations
- Multi-step wizard can feel slow
- Heavy upselling for paid filing services
- No real-time calculation
ET Money's calculator is embedded within their broader financial planning platform. It has a slider-based UI that's visually appealing and shows the impact of each deduction on your tax. Also shows tax-saving recommendations via their mutual fund products.
Strengths
- Visually appealing slider-based input
- Shows tax saving from each deduction
- Regime comparison built in
Limitations
- Pushes mutual fund recommendations heavily
- Limited deduction categories
- No detailed slab breakdown
BankBazaar offers a simple calculator that covers the basics — salary, deductions, and both regimes. It's lightweight and loads fast, but doesn't go as deep as others on deduction types or provide detailed breakdowns.
Strengths
- Simple and fast
- Shows both regimes
- No login required
Limitations
- Limited deduction support
- No marginal relief calculation
- Ad-heavy page
- Basic UI with no detailed breakdown
Quick Comparison Table
| Feature | ITR Stats | ClearTax | Groww | IT Dept | Tax2Win |
|---|---|---|---|---|---|
| FY 2025-26 Slabs | Yes | Yes | Yes | Yes | Yes |
| Old vs New Side-by-Side | Yes | Tabs | Yes | No | Yes |
| Real-Time (No Button) | Yes | No | No | No | No |
| Marginal Relief | Yes | Yes | Yes | Yes | No |
| Surcharge Calc | Yes | Yes | Yes | Yes | Yes |
| Take-Home Salary | Yes | No | No | No | No |
| Detailed Breakdown | Yes | Yes | Basic | Yes | Yes |
| No Login Needed | Yes | Yes | Yes | Maybe | Yes |
| Dark Mode | Yes | No | No | No | No |
| HRA Sub-Calculator | No | Yes | Yes | Yes | Yes |
| ITR Filing Built-In | No | Yes | No | Yes | Yes |
Our Recommendation
If you're a salaried employee who wants a quick, accurate comparison of old vs new regime with all major deductions — ITR Stats is the fastest way to get your answer. No buttons to click, no account to create, results appear as you type.
If you have multiple income sources (rental, capital gains, business) or need to file your ITR through the same platform — go with ClearTax or Groww. They handle complex scenarios better.
If you want the official answer with zero room for error — use the Income Tax Department's calculator as a cross-check. Just budget extra patience for the portal's speed.
And if you're a first-time filer who wants someone to guide you step by step — Tax2Win's wizard is the most beginner-friendly approach.
Try Our Income Tax Calculator
Instant old vs new regime comparison. No login. No ads blocking your inputs. Budget 2025 slabs with marginal relief.
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