What is the Income Tax Table for New Regime FY 2025-26?

It is a pre-computed reference table showing income tax breakdown for 19 salary levels (Rs 3 lakh to Rs 1 crore) under the New Tax Regime. It shows standard deduction, taxable income, slab-wise tax, Section 87A rebate, cess, total tax, effective rate, and monthly in-hand salary — all without requiring any input.

What are the New Regime tax slabs for FY 2025-26?

FY 2025-26 New Regime slabs: 0-4L (0%), 4-8L (5%), 8-12L (10%), 12-16L (15%), 16-20L (20%), 20-24L (25%), above 24L (30%). Standard deduction is Rs 75,000. Section 87A rebate of up to Rs 60,000 applies for taxable income up to Rs 12 lakh.

Up to what salary is there zero tax under New Regime?

Under the New Regime for FY 2025-26, individuals earning up to Rs 12,75,000 per annum pay zero tax. This is because Rs 75,000 standard deduction reduces taxable income to Rs 12,00,000, and the Section 87A rebate of Rs 60,000 covers the entire tax liability on Rs 12 lakh taxable income.

How is the monthly in-hand salary calculated in this table?

Monthly in-hand is calculated as (Annual Salary - Total Tax) / 12. Note: this is a simplified estimate. Actual in-hand salary would also deduct EPF (12% of basic), professional tax (state-dependent), and ESI (if applicable). Use our Salary Calculator for a complete breakdown.

What is the Section 87A rebate in FY 2025-26?

Section 87A provides a tax rebate of up to Rs 60,000 under the New Regime for FY 2025-26 (previously Rs 25,000). If your taxable income is Rs 12,00,000 or less, the entire tax liability is wiped out by this rebate, making your effective tax zero.

What is the 4% Health and Education Cess?

A 4% cess is levied on top of income tax (after surcharge, if any). For example, if your tax after rebate is Rs 1,00,000, the cess adds Rs 4,000, making total tax Rs 1,04,000. This cess funds health and education initiatives.

Does the table include surcharge for high incomes?

Yes. For incomes above Rs 50 lakh, surcharge is automatically included in the calculation: 10% for Rs 50L-1Cr, 15% for Rs 1-2Cr, and 25% for above Rs 2Cr (max in New Regime). Marginal relief is also applied where applicable.

What is the difference between this table and the Income Tax Calculator?

This table provides instant reference for common salary levels without any input. The Income Tax Calculator lets you enter a custom salary amount, add deductions (80C, 80D, HRA), and compare Old vs New regime side-by-side. Use the table for quick lookup, the calculator for personalized analysis.

Is this tax table applicable for business income?

This table is designed for salaried individuals and shows standard deduction of Rs 75,000 which is specific to salary income. Business owners should consult a tax professional or use the Income Tax Calculator with their total income for accurate computation.

How often is this tax table updated?

The table is updated whenever the government announces changes to tax slabs, standard deduction, or rebate limits. Currently it reflects the FY 2025-26 budget announcements. All calculations use the exact same tax engine as our Income Tax Calculator.

What does this table show?

Pre-computed rent vs buy comparisons for various property values with break-even years.

Can I export this table?

Yes, click 'Export CSV' to download all rows.

Rent vs Buy Table India

Pre-computed buy vs rent comparison for Rs 20L to Rs 3Cr properties at 10, 20, 30 years - no input needed

Need custom values, charts, or year-by-year breakdown?

Rent vs Buy Table — 8.5% Loan Rate

Pre-computed buy vs rent net worth comparison for properties Rs 20L to Rs 3Cr across 10, 20, 30 years

Buy vs Rent Net Worth by Property Price

Assumptions: 20% down, 5% appreciation, 5% rent hike, 12% investment return, 1% maintenance

Table Settings:

Loan Rate:

Rent Yield:

Property Price	Rent/mo	10 Years			20 Years			30 Years
Property Price	Rent/mo	Buy NW	Rent NW	Winner	Buy NW	Rent NW	Winner	Buy NW	Rent NW	Winner
₹20,00,000(20L)	₹5,000	₹32.58 L	₹49.87 L	Rent	₹53.06 L	₹1.37 Cr	Rent	₹86.44 L	₹4.51 Cr	Rent
₹30,00,000(30L)	₹7,500	₹48.87 L	₹74.80 L	Rent	₹79.60 L	₹2.05 Cr	Rent	₹1.30 Cr	₹6.77 Cr	Rent
₹40,00,000(40L)	₹10,000	₹65.16 L	₹99.74 L	Rent	₹1.06 Cr	₹2.73 Cr	Rent	₹1.73 Cr	₹9.02 Cr	Rent
₹50,00,000(50L)	₹12,500	₹81.44 L	₹1.25 Cr	Rent	₹1.33 Cr	₹3.42 Cr	Rent	₹2.16 Cr	₹11.28 Cr	Rent
₹60,00,000(60L)	₹15,000	₹97.73 L	₹1.50 Cr	Rent	₹1.59 Cr	₹4.10 Cr	Rent	₹2.59 Cr	₹13.54 Cr	Rent
₹70,00,000(70L)	₹17,500	₹1.14 Cr	₹1.75 Cr	Rent	₹1.86 Cr	₹4.79 Cr	Rent	₹3.03 Cr	₹15.79 Cr	Rent
₹80,00,000(80L)	₹20,000	₹1.30 Cr	₹1.99 Cr	Rent	₹2.12 Cr	₹5.47 Cr	Rent	₹3.46 Cr	₹18.05 Cr	Rent
₹90,00,000(90L)	₹22,500	₹1.47 Cr	₹2.24 Cr	Rent	₹2.39 Cr	₹6.15 Cr	Rent	₹3.89 Cr	₹20.31 Cr	Rent
₹1,00,00,000(1 Cr)	₹25,000	₹1.63 Cr	₹2.49 Cr	Rent	₹2.65 Cr	₹6.84 Cr	Rent	₹4.32 Cr	₹22.56 Cr	Rent
₹1,25,00,000(1.25 Cr)	₹31,250	₹2.04 Cr	₹3.12 Cr	Rent	₹3.32 Cr	₹8.55 Cr	Rent	₹5.40 Cr	₹28.20 Cr	Rent
₹1,50,00,000(1.50 Cr)	₹37,500	₹2.44 Cr	₹3.74 Cr	Rent	₹3.98 Cr	₹10.25 Cr	Rent	₹6.48 Cr	₹33.84 Cr	Rent
₹1,75,00,000(1.75 Cr)	₹43,750	₹2.85 Cr	₹4.36 Cr	Rent	₹4.64 Cr	₹11.96 Cr	Rent	₹7.56 Cr	₹39.48 Cr	Rent
₹2,00,00,000(2 Cr)	₹50,000	₹3.26 Cr	₹4.99 Cr	Rent	₹5.31 Cr	₹13.67 Cr	Rent	₹8.64 Cr	₹45.12 Cr	Rent
₹2,25,00,000(2.25 Cr)	₹56,250	₹3.67 Cr	₹5.61 Cr	Rent	₹5.97 Cr	₹15.38 Cr	Rent	₹9.72 Cr	₹50.76 Cr	Rent
₹2,50,00,000(2.50 Cr)	₹62,500	₹4.07 Cr	₹6.23 Cr	Rent	₹6.63 Cr	₹17.09 Cr	Rent	₹10.80 Cr	₹56.41 Cr	Rent
₹2,75,00,000(2.75 Cr)	₹68,750	₹4.48 Cr	₹6.86 Cr	Rent	₹7.30 Cr	₹18.80 Cr	Rent	₹11.89 Cr	₹62.05 Cr	Rent
₹3,00,00,000(3 Cr)	₹75,000	₹4.89 Cr	₹7.48 Cr	Rent	₹7.96 Cr	₹20.51 Cr	Rent	₹12.97 Cr	₹67.69 Cr	Rent

How the Rent vs Buy Table Works

Understanding the comparison methodology

Buy Net Worth: Property value after appreciation minus any outstanding loan balance. Includes 20% down payment, EMI payments, and annual maintenance costs.

Rent Net Worth: Investment corpus from investing the down payment amount plus the monthly difference between EMI+maintenance and rent, growing at 12% p.a. returns.

Winner: “Buy” if buying net worth exceeds renting by more than 10%, “Rent” if renting exceeds by more than 10%, otherwise “Equal”.

Rent Yield: Monthly rent is calculated as (Property Price × Rent Yield%) / 12. In Indian metros, rental yield typically ranges from 2-4%.

Key Takeaways

In Indian metros with 2-3% rental yields, buying typically becomes more favorable after 10-15 years due to property appreciation.
If you can earn 12%+ returns on investments (e.g., index funds), renting often wins in the short to medium term.
Higher property appreciation (>6%) strongly favors buying, while higher investment returns (>12%) favor renting.
The emotional and stability benefits of ownership are not captured in this financial comparison — consider them separately.

How to Read the Rent vs Buy Table

This pre-computed table is designed for quick reference without entering any details. The first column shows property prices from Rs 20 lakh to Rs 3 crore. The “Rent/mo” column shows the estimated monthly rent based on the selected rental yield percentage. Each period section (10, 20, 30 years) shows three values: Buy Net Worth (property value minus outstanding loan), Rent Net Worth (investment corpus from investing down payment + monthly savings), and a color-coded Winner badge.

To use the table: (1) Select the loan rate closest to your bank's offer, (2) Choose the rental yield matching your city (2% for expensive metros like Mumbai, 3% for mid-range cities, 4% for tier-2 cities), (3) Find your approximate property price in the first column, (4) Read across to see whether buying or renting wins at 10, 20, or 30 years. Green “Buy” badges mean buying builds more net worth, orange “Rent” badges mean renting + investing is better.

Why Use a Pre-computed Rent vs Buy Table?

The rent vs buy decision involves many variables, and a pre-computed table lets you see patterns across multiple price points instantly. You can quickly observe that for lower-priced properties with higher rental yields, renting may be better in the short term but buying wins in the long run. For expensive properties with low rental yields, the break-even may be delayed significantly.

Financial advisors and real estate consultants frequently use reference tables when counseling clients. The table uses standard assumptions: 20% down payment, 5% annual property appreciation, 5% annual rent increase, 12% investment return, and 1% maintenance cost. You can export the table as CSV for offline analysis or to include in financial planning documents.

Features

16 Property Prices

Pre-computed comparison for Rs 20L to Rs 3Cr — covering budget flats to premium apartments.

3 Time Periods

View buy vs rent outcomes at 10, 20, and 30 years to understand short and long-term impact.

6 Loan Rates

Switch between 7.5% to 10.0% rates to match current bank offerings instantly.

Rent Yield Toggle

Choose Low (2%), Medium (3%), or High (4%) rental yield to match your city's market.

CSV Export

Download the complete comparison table as CSV for offline analysis or sharing.

Color-coded Winners

Green for Buy, Orange for Rent, Gray for Equal — scan the table instantly.

How to Use the Rent vs Buy Table

Open the Table The comparison loads instantly with 16 property prices across 3 time periods at 8.5% — no input needed.

Select Your Rate Choose the home loan interest rate from the dropdown (7.5% to 10.0%).

Select Rent Yield Choose the rental yield matching your city: Low (2%) for metros, Medium (3%), or High (4%) for tier-2.

Use the Calculator For custom values or detailed year-by-year analysis, use the Rent vs Buy Calculator.

JumpTools Rent vs Buy Table vs MagicBricks vs NoBroker vs Housing.com

How does our pre-computed comparison table compare to other rent vs buy tools in India?

Feature	JumpTools	MagicBricks	NoBroker	Housing.com
Pre-computed Table	16 prices x 3 periods	No	No	No
No Input Required	Yes - instant view	Must enter details	Must enter details	Must enter details
Multiple Loan Rates	6 rates (7.5-10%)	Single rate	Single rate	Single rate
Rent Yield Options	Low/Medium/High	Fixed	Fixed	Fixed
CSV Export	Yes - branded	No	No	No
Winner Column	Color-coded badges	No	No	No
Privacy	100% client-side	Server-based	Server-based	Server-based

Comparison based on publicly available features as of March 2026. JumpTools is the only tool offering a pre-computed rent vs buy table with multiple rates and no signup required.

TL;DR - Free Rent vs Buy Table India

Pre-computed buy vs rent comparison for 16 property prices (Rs 20L to Rs 3Cr) across 10, 20, 30 year periods at 6 interest rates. Rent yield toggle. CSV export. Color-coded winner badges. Zero input required. 100% client-side.

16 Property PricesZero Input Needed6 Loan RatesCSV Export

Frequently Asked Questions

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Property Price	Rent/mo	10 Years	20 Years	30 Years
₹20,00,000(20L)	₹5,000	₹32.58 L	₹49.87 L	Rent	₹53.06 L	₹1.37 Cr	Rent	₹86.44 L	₹4.51 Cr	Rent
₹30,00,000(30L)	₹7,500	₹48.87 L	₹74.80 L	Rent	₹79.60 L	₹2.05 Cr	Rent	₹1.30 Cr	₹6.77 Cr	Rent
₹40,00,000(40L)	₹10,000	₹65.16 L	₹99.74 L	Rent	₹1.06 Cr	₹2.73 Cr	Rent	₹1.73 Cr	₹9.02 Cr	Rent
₹50,00,000(50L)	₹12,500	₹81.44 L	₹1.25 Cr	Rent	₹1.33 Cr	₹3.42 Cr	Rent	₹2.16 Cr	₹11.28 Cr	Rent
₹60,00,000(60L)	₹15,000	₹97.73 L	₹1.50 Cr	Rent	₹1.59 Cr	₹4.10 Cr	Rent	₹2.59 Cr	₹13.54 Cr	Rent
₹70,00,000(70L)	₹17,500	₹1.14 Cr	₹1.75 Cr	Rent	₹1.86 Cr	₹4.79 Cr	Rent	₹3.03 Cr	₹15.79 Cr	Rent
₹80,00,000(80L)	₹20,000	₹1.30 Cr	₹1.99 Cr	Rent	₹2.12 Cr	₹5.47 Cr	Rent	₹3.46 Cr	₹18.05 Cr	Rent
₹90,00,000(90L)	₹22,500	₹1.47 Cr	₹2.24 Cr	Rent	₹2.39 Cr	₹6.15 Cr	Rent	₹3.89 Cr	₹20.31 Cr	Rent
₹1,00,00,000(1 Cr)	₹25,000	₹1.63 Cr	₹2.49 Cr	Rent	₹2.65 Cr	₹6.84 Cr	Rent	₹4.32 Cr	₹22.56 Cr	Rent
₹1,25,00,000(1.25 Cr)	₹31,250	₹2.04 Cr	₹3.12 Cr	Rent	₹3.32 Cr	₹8.55 Cr	Rent	₹5.40 Cr	₹28.20 Cr	Rent
₹1,50,00,000(1.50 Cr)	₹37,500	₹2.44 Cr	₹3.74 Cr	Rent	₹3.98 Cr	₹10.25 Cr	Rent	₹6.48 Cr	₹33.84 Cr	Rent
₹1,75,00,000(1.75 Cr)	₹43,750	₹2.85 Cr	₹4.36 Cr	Rent	₹4.64 Cr	₹11.96 Cr	Rent	₹7.56 Cr	₹39.48 Cr	Rent
₹2,00,00,000(2 Cr)	₹50,000	₹3.26 Cr	₹4.99 Cr	Rent	₹5.31 Cr	₹13.67 Cr	Rent	₹8.64 Cr	₹45.12 Cr	Rent
₹2,25,00,000(2.25 Cr)	₹56,250	₹3.67 Cr	₹5.61 Cr	Rent	₹5.97 Cr	₹15.38 Cr	Rent	₹9.72 Cr	₹50.76 Cr	Rent
₹2,50,00,000(2.50 Cr)	₹62,500	₹4.07 Cr	₹6.23 Cr	Rent	₹6.63 Cr	₹17.09 Cr	Rent	₹10.80 Cr	₹56.41 Cr	Rent
₹2,75,00,000(2.75 Cr)	₹68,750	₹4.48 Cr	₹6.86 Cr	Rent	₹7.30 Cr	₹18.80 Cr	Rent	₹11.89 Cr	₹62.05 Cr	Rent
₹3,00,00,000(3 Cr)	₹75,000	₹4.89 Cr	₹7.48 Cr	Rent	₹7.96 Cr	₹20.51 Cr	Rent	₹12.97 Cr	₹67.69 Cr	Rent

Property Price

Rent/mo

10 Years

20 Years

30 Years

Buy NW

Rent NW

Winner

Buy NW

Rent NW

Winner

Buy NW

Rent NW

Winner

₹20,00,000(20L)

₹5,000

₹32.58 L

₹49.87 L

Rent

₹53.06 L

₹1.37 Cr

Rent

₹86.44 L

₹4.51 Cr

Rent

₹30,00,000(30L)

₹7,500

₹48.87 L

₹74.80 L

Rent

₹79.60 L

₹2.05 Cr

Rent

₹1.30 Cr

₹6.77 Cr

Rent

₹40,00,000(40L)

₹10,000

₹65.16 L

₹99.74 L

Rent

₹1.06 Cr

₹2.73 Cr

Rent

₹1.73 Cr

₹9.02 Cr

Rent

₹50,00,000(50L)

₹12,500

₹81.44 L

₹1.25 Cr

Rent

₹1.33 Cr

₹3.42 Cr

Rent

₹2.16 Cr

₹11.28 Cr

Rent

₹60,00,000(60L)

₹15,000

₹97.73 L

₹1.50 Cr

Rent

₹1.59 Cr

₹4.10 Cr

Rent

₹2.59 Cr

₹13.54 Cr

Rent

₹70,00,000(70L)

₹17,500

₹1.14 Cr

₹1.75 Cr

Rent

₹1.86 Cr

₹4.79 Cr

Rent

₹3.03 Cr

₹15.79 Cr

Rent

₹80,00,000(80L)

₹20,000

₹1.30 Cr

₹1.99 Cr

Rent

₹2.12 Cr

₹5.47 Cr

Rent

₹3.46 Cr

₹18.05 Cr

Rent

₹90,00,000(90L)

₹22,500

₹1.47 Cr

₹2.24 Cr

Rent

₹2.39 Cr

₹6.15 Cr

Rent

₹3.89 Cr

₹20.31 Cr

Rent

₹1,00,00,000(1 Cr)

₹25,000

₹1.63 Cr

₹2.49 Cr

Rent

₹2.65 Cr

₹6.84 Cr

Rent

₹4.32 Cr

₹22.56 Cr

Rent

₹1,25,00,000(1.25 Cr)

₹31,250

₹2.04 Cr

₹3.12 Cr

Rent

₹3.32 Cr

₹8.55 Cr

Rent

₹5.40 Cr

₹28.20 Cr

Rent

₹1,50,00,000(1.50 Cr)

₹37,500

₹2.44 Cr

₹3.74 Cr

Rent

₹3.98 Cr

₹10.25 Cr

Rent

₹6.48 Cr

₹33.84 Cr

Rent

₹1,75,00,000(1.75 Cr)

₹43,750

₹2.85 Cr

₹4.36 Cr

Rent

₹4.64 Cr

₹11.96 Cr

Rent

₹7.56 Cr

₹39.48 Cr

Rent

₹2,00,00,000(2 Cr)

₹50,000

₹3.26 Cr

₹4.99 Cr

Rent

₹5.31 Cr

₹13.67 Cr

Rent

₹8.64 Cr

₹45.12 Cr

Rent

₹2,25,00,000(2.25 Cr)

₹56,250

₹3.67 Cr

₹5.61 Cr

Rent

₹5.97 Cr

₹15.38 Cr

Rent

₹9.72 Cr

₹50.76 Cr

Rent

₹2,50,00,000(2.50 Cr)

₹62,500

₹4.07 Cr

₹6.23 Cr

Rent

₹6.63 Cr

₹17.09 Cr

Rent

₹10.80 Cr

₹56.41 Cr

Rent

₹2,75,00,000(2.75 Cr)

₹68,750

₹4.48 Cr

₹6.86 Cr

Rent

₹7.30 Cr

₹18.80 Cr

Rent

₹11.89 Cr

₹62.05 Cr

Rent

₹3,00,00,000(3 Cr)

₹75,000

₹4.89 Cr

₹7.48 Cr

Rent

₹7.96 Cr

₹20.51 Cr

Rent

₹12.97 Cr

₹67.69 Cr

Rent

How to Read the Rent vs Buy Table

Why Use a Pre-computed Rent vs Buy Table?

Features

16 Property Prices

Pre-computed comparison for Rs 20L to Rs 3Cr — covering budget flats to premium apartments.

3 Time Periods

View buy vs rent outcomes at 10, 20, and 30 years to understand short and long-term impact.

6 Loan Rates

Switch between 7.5% to 10.0% rates to match current bank offerings instantly.

Rent Yield Toggle

Choose Low (2%), Medium (3%), or High (4%) rental yield to match your city's market.

CSV Export

Download the complete comparison table as CSV for offline analysis or sharing.

Color-coded Winners

Green for Buy, Orange for Rent, Gray for Equal — scan the table instantly.

How to Use the Rent vs Buy Table

Open the Table The comparison loads instantly with 16 property prices across 3 time periods at 8.5% — no input needed.

Select Your Rate Choose the home loan interest rate from the dropdown (7.5% to 10.0%).

Select Rent Yield Choose the rental yield matching your city: Low (2%) for metros, Medium (3%), or High (4%) for tier-2.

Use the Calculator For custom values or detailed year-by-year analysis, use the Rent vs Buy Calculator.

Feature

JumpTools

MagicBricks

NoBroker

Housing.com

Pre-computed Table

16 prices x 3 periods

No Input Required

Yes - instant view

Must enter details

Multiple Loan Rates

6 rates (7.5-10%)

Single rate

Rent Yield Options

Low/Medium/High

Fixed

CSV Export

Yes - branded

Winner Column

Color-coded badges

Privacy

100% client-side

Server-based