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?

What monthly subscription amounts would grow to if invested via SIP at various return rates over different periods.

Can I export this table?

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

Subscription to SIP Table

Pre-computed table showing how subscription amounts grow if invested via SIP instead

Subscription to SIP Table — 12% Return

See how subscription amounts (₹500 to ₹10,000/month) could grow if invested in SIP instead

Monthly Subscription Amount → SIP Growth

SIP maturity value at 12% p.a. expected return

Settings:

Return Rate:

Monthly Amount	5 Years	10 Years	15 Years	20 Years
Monthly Amount	SIP Value	SIP Value	SIP Value	SIP Value
₹500/mo(₹6,000/yr)	₹41,243	₹1,16,170	₹2,52,288	₹4,99,574
₹1,000/mo(₹12,000/yr)	₹82,486	₹2,32,339	₹5,04,576	₹9,99,148
₹1,500/mo(₹18,000/yr)	₹1,23,730	₹3,48,509	₹7,56,864	₹14,98,722
₹2,000/mo(₹24,000/yr)	₹1,64,973	₹4,64,678	₹10,09,152	₹19,98,296
₹2,500/mo(₹30,000/yr)	₹2,06,216	₹5,80,848	₹12,61,440	₹24,97,870
₹3,000/mo(₹36,000/yr)	₹2,47,459	₹6,97,017	₹15,13,728	₹29,97,444
₹3,500/mo(₹42,000/yr)	₹2,88,702	₹8,13,187	₹17,66,016	₹34,97,018
₹4,000/mo(₹48,000/yr)	₹3,29,945	₹9,29,356	₹20,18,304	₹39,96,592
₹4,500/mo(₹54,000/yr)	₹3,71,189	₹10,45,526	₹22,70,592	₹44,96,166
₹5,000/mo(₹60,000/yr)	₹4,12,432	₹11,61,695	₹25,22,880	₹49,95,740
₹5,500/mo(₹66,000/yr)	₹4,53,675	₹12,77,865	₹27,75,168	₹54,95,314
₹6,000/mo(₹72,000/yr)	₹4,94,918	₹13,94,034	₹30,27,456	₹59,94,888
₹6,500/mo(₹78,000/yr)	₹5,36,161	₹15,10,204	₹32,79,744	₹64,94,461
₹7,000/mo(₹84,000/yr)	₹5,77,405	₹16,26,374	₹35,32,032	₹69,94,035
₹7,500/mo(₹90,000/yr)	₹6,18,648	₹17,42,543	₹37,84,320	₹74,93,609
₹8,000/mo(₹96,000/yr)	₹6,59,891	₹18,58,713	₹40,36,608	₹79,93,183
₹8,500/mo(₹1,02,000/yr)	₹7,01,134	₹19,74,882	₹42,88,896	₹84,92,757
₹9,000/mo(₹1,08,000/yr)	₹7,42,377	₹20,91,052	₹45,41,184	₹89,92,331
₹9,500/mo(₹1,14,000/yr)	₹7,83,620	₹22,07,221	₹47,93,472	₹94,91,905
₹10,000/mo(₹1,20,000/yr)	₹8,24,864	₹23,23,391	₹50,45,760	₹99,91,479

How This Table Works

Understand the opportunity cost of subscriptions

Opportunity Cost: Each row shows the SIP maturity value if that monthly subscription amount were invested instead at 12% annual return.

SIP Formula: FV = P × [(1 + r)ⁿ − 1] / r × (1 + r) where P = monthly amount, r = monthly rate, n = total months.

Color Guide: Green = below ₹1 Cr, Blue = ₹1 Cr to ₹10 Cr, Purple = above ₹10 Cr.

Key Takeaways

Even ₹500/month saved from subscriptions and invested at 12% grows to ₹4,99,574 in 20 years.
A typical ₹2,000/month subscription bundle (Netflix + Spotify + Hotstar) could become ₹4,64,678 in 10 years via SIP.
This doesn't mean cancel everything — it means audit regularly and redirect unused subscriptions to investments.

Need to track your actual subscriptions with charts?

How to Read the Subscription SIP Table

This table shows pre-computed SIP maturity values for monthly amounts from ₹500 to ₹10,000 — the typical range of subscription spending in India. Each row represents a monthly subscription amount being redirected to a mutual fund SIP. The columns show projected corpus at 5, 10, 15, and 20 year durations. Use the dropdown to switch between return rates (8% to 15%). This helps you instantly see the long-term opportunity cost of any subscription.

Why Subscription Amounts Matter for Wealth Building

Most people underestimate the cumulative cost of subscriptions because each individual amount seems small. A ₹149 YouTube Premium or ₹119 Spotify subscription feels negligible. But when you add up 5-8 such subscriptions, the monthly total often exceeds ₹2,000-3,000. Over 20 years at 12% return, even ₹2,000/month grows to approximately ₹20 lakhs through SIP compounding. This table makes that invisible cost visible at a glance, without needing to enter any values.

JumpTools Subscription SIP Table vs Alternatives

No other platform offers a pre-computed subscription opportunity cost table

Feature	JumpTools	Groww	ClearTax	Manual Calc
Pre-computed Table	20 amounts x 4 durations	No	No	No
No Input Required	Yes - instant lookup	Must enter amount	Must enter amount	Full calculation
Subscription Context	Yes - framed as opportunity cost	Investment only	Investment only	N/A
Multiple Return Rates	5 rates (8-15%)	Single rate	Single rate	One at a time
CSV Export	Yes - all 20 rows	No	No	No
Color-coded Values	Green/Blue/Purple by size	No	No	No

Feature comparison as of March 2026.

TL;DR - Free Subscription to SIP Table India

20 pre-computed rows showing SIP maturity values for monthly subscription amounts ₹500 to ₹10,000 across 5-20 year durations. Toggle return rates (8-15%). Export as CSV for offline use.

20 Rows4 Durations5 Return RatesCSV Export

Tool Capabilities

Client-Side (Browser)

Files never leave your device

150 pre-computed SIP alternatives
4 return rate options
5 time periods
Export as CSV

Requires Server-Side

Not available — would need cloud processing

Frequently Asked Questions

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Monthly Amount	5 Years	10 Years	15 Years	20 Years
₹500/mo(₹6,000/yr)	₹41,243	₹1,16,170	₹2,52,288	₹4,99,574
₹1,000/mo(₹12,000/yr)	₹82,486	₹2,32,339	₹5,04,576	₹9,99,148
₹1,500/mo(₹18,000/yr)	₹1,23,730	₹3,48,509	₹7,56,864	₹14,98,722
₹2,000/mo(₹24,000/yr)	₹1,64,973	₹4,64,678	₹10,09,152	₹19,98,296
₹2,500/mo(₹30,000/yr)	₹2,06,216	₹5,80,848	₹12,61,440	₹24,97,870
₹3,000/mo(₹36,000/yr)	₹2,47,459	₹6,97,017	₹15,13,728	₹29,97,444
₹3,500/mo(₹42,000/yr)	₹2,88,702	₹8,13,187	₹17,66,016	₹34,97,018
₹4,000/mo(₹48,000/yr)	₹3,29,945	₹9,29,356	₹20,18,304	₹39,96,592
₹4,500/mo(₹54,000/yr)	₹3,71,189	₹10,45,526	₹22,70,592	₹44,96,166
₹5,000/mo(₹60,000/yr)	₹4,12,432	₹11,61,695	₹25,22,880	₹49,95,740
₹5,500/mo(₹66,000/yr)	₹4,53,675	₹12,77,865	₹27,75,168	₹54,95,314
₹6,000/mo(₹72,000/yr)	₹4,94,918	₹13,94,034	₹30,27,456	₹59,94,888
₹6,500/mo(₹78,000/yr)	₹5,36,161	₹15,10,204	₹32,79,744	₹64,94,461
₹7,000/mo(₹84,000/yr)	₹5,77,405	₹16,26,374	₹35,32,032	₹69,94,035
₹7,500/mo(₹90,000/yr)	₹6,18,648	₹17,42,543	₹37,84,320	₹74,93,609
₹8,000/mo(₹96,000/yr)	₹6,59,891	₹18,58,713	₹40,36,608	₹79,93,183
₹8,500/mo(₹1,02,000/yr)	₹7,01,134	₹19,74,882	₹42,88,896	₹84,92,757
₹9,000/mo(₹1,08,000/yr)	₹7,42,377	₹20,91,052	₹45,41,184	₹89,92,331
₹9,500/mo(₹1,14,000/yr)	₹7,83,620	₹22,07,221	₹47,93,472	₹94,91,905
₹10,000/mo(₹1,20,000/yr)	₹8,24,864	₹23,23,391	₹50,45,760	₹99,91,479

Monthly Amount

5 Years

10 Years

15 Years

20 Years

SIP Value

₹500/mo(₹6,000/yr)

₹41,243

₹1,16,170

₹2,52,288

₹4,99,574

₹1,000/mo(₹12,000/yr)

₹82,486

₹2,32,339

₹5,04,576

₹9,99,148

₹1,500/mo(₹18,000/yr)

₹1,23,730

₹3,48,509

₹7,56,864

₹14,98,722

₹2,000/mo(₹24,000/yr)

₹1,64,973

₹4,64,678

₹10,09,152

₹19,98,296

₹2,500/mo(₹30,000/yr)

₹2,06,216

₹5,80,848

₹12,61,440

₹24,97,870

₹3,000/mo(₹36,000/yr)

₹2,47,459

₹6,97,017

₹15,13,728

₹29,97,444

₹3,500/mo(₹42,000/yr)

₹2,88,702

₹8,13,187

₹17,66,016

₹34,97,018

₹4,000/mo(₹48,000/yr)

₹3,29,945

₹9,29,356

₹20,18,304

₹39,96,592

₹4,500/mo(₹54,000/yr)

₹3,71,189

₹10,45,526

₹22,70,592

₹44,96,166

₹5,000/mo(₹60,000/yr)

₹4,12,432

₹11,61,695

₹25,22,880

₹49,95,740

₹5,500/mo(₹66,000/yr)

₹4,53,675

₹12,77,865

₹27,75,168

₹54,95,314

₹6,000/mo(₹72,000/yr)

₹4,94,918

₹13,94,034

₹30,27,456

₹59,94,888

₹6,500/mo(₹78,000/yr)

₹5,36,161

₹15,10,204

₹32,79,744

₹64,94,461

₹7,000/mo(₹84,000/yr)

₹5,77,405

₹16,26,374

₹35,32,032

₹69,94,035

₹7,500/mo(₹90,000/yr)

₹6,18,648

₹17,42,543

₹37,84,320

₹74,93,609

₹8,000/mo(₹96,000/yr)

₹6,59,891

₹18,58,713

₹40,36,608

₹79,93,183

₹8,500/mo(₹1,02,000/yr)

₹7,01,134

₹19,74,882

₹42,88,896

₹84,92,757

₹9,000/mo(₹1,08,000/yr)

₹7,42,377

₹20,91,052

₹45,41,184

₹89,92,331

₹9,500/mo(₹1,14,000/yr)

₹7,83,620

₹22,07,221

₹47,93,472

₹94,91,905

₹10,000/mo(₹1,20,000/yr)

₹8,24,864

₹23,23,391

₹50,45,760

₹99,91,479

How to Read the Subscription SIP Table

Why Subscription Amounts Matter for Wealth Building

Feature

JumpTools

Groww

ClearTax

Manual Calc

Pre-computed Table

20 amounts x 4 durations

No Input Required

Yes - instant lookup

Must enter amount

Full calculation

Subscription Context

Yes - framed as opportunity cost

Investment only

N/A

Multiple Return Rates

5 rates (8-15%)

Single rate

One at a time

CSV Export

Yes - all 20 rows

Color-coded Values

Green/Blue/Purple by size