Advanced Income Tax Hub
Compare Old vs. New regimes (FY 2025-26 rules) and model the silent impact of Inflation-driven Bracket Creep.
💡 Motto: We don't tell what to pick, we tell how to pick.
Salary & Deduction Settings
₹
Old Regime Deductions
Sec 80C (PPF, ELSS, EPF)
₹
Sec 80D (Health Premium)
₹
HRA Exemption Claim
₹
Home Loan Interest (Sec 24b)
₹
NPS Voluntary (80CCD(1B))
₹
Old Regime Tax
₹1,01,400
Deductions: ₹2,25,000New Regime Tax
₹0
Standard Deduct: ₹75,000Preferred Regime
New Regime
Saves you ₹1,01,400 / yrFY 2025-26 / FY 2026-27 Slabs (New Regime)
Up to ₹4 Lakhs
No Tax
₹4L - ₹8 Lakhs
5% Tax
₹8L - ₹12 Lakhs
10% Tax
₹12L - ₹16 Lakhs
15% Tax
💡 **Rebate Rule:** Income tax is completely **waived (zero)** under Section 87A if taxable income does not exceed **₹12 Lakhs** in the New Regime.
The Bracket Creep Simulator (Inflation Tax)
See how inflation-aligned wage increases push you into higher tax brackets, hiking your real tax rate even if your purchasing power doesn't change.
Creep Settings
Annual Salary Growth (%)
*Typically matches or slightly beats average inflation.%
Expected Inflation Rate
%
Simulation Tenure (Years)
Yrs
⚠️ The Bracket Creep Warning:If your salary grows by 5% annually to match inflation, your real purchasing power stays exactly the same. However, because tax brackets are fixed in nominal terms, you will slide into higher tax brackets. Over 10 years, your effective tax rate climbs from 0% to 9.36%! You are paying more tax on the *same* real purchasing power.