Enter annual income
Add salary components, property income, interest, dividends and any other taxable income for the full financial year.
Compare India’s old and new tax regimes with salary, deductions, property income and capital gains calculated separately.
These details decide your tax slabs and eligible deductions.
Enter annual amounts from your salary slips or Form 16.
12% payroll benchmark: ₹0 · actual PF used: ₹0
Actual PF + NPS: ₹0
₹0 taxable perquisite above ₹7.5 lakhNPS deduction, old: ₹0 · new: ₹0
Maximum from meals: ₹0
₹0 exemptTaxable excess: ₹0 · both regimes
Enter the coupon amount received to apply the exemption.₹50,000 old · ₹75,000 new, limited to salary
Select the property use to show only the relevant fields.
Itemised deductions reduce slab income. Caps are applied automatically.
Section 123 basket used: ₹0
Additional personal NPS: ₹0PF contribution threshold: ₹0 · contribution above it: ₹0
Self/family and parents are capped separately; the maximum combined premium deduction is ₹1,00,000.
Employee PF and personal NPS do not qualify. Standard deduction, eligible employer NPS and family pension relief are applied automatically.
Employer NPS is capped at 14% of basic salary plus eligible DA in the new regime
Chapter VI A deductions do not reduce gains taxed under Sections 111A and 112A.
STCL can offset short or long term gains. LTCL can offset long term gains only. Eligible unused capital losses can be carried forward for up to 8 tax years if the loss return is filed by the applicable due date. In transaction mode, the calculated loss is included automatically. Enter only other losses below to avoid counting the same loss twice.
The lower new regime slabs are worth more than your available old regime deductions.
Difference: ₹0
Loss adjusted: ₹0
The calculator brings salary, house property income, other income, eligible deductions and capital gains into one old versus new regime comparison. Your entries stay in your browser.
Add salary components, property income, interest, dividends and any other taxable income for the full financial year.
Record eligible retirement contributions, health insurance, interest and other deductions. The calculator applies each item only where the selected regime permits it.
Compare taxable income, rebate, surcharge, cess, special rate capital gains tax and the estimated final tax payable under each regime.
Quick explanations for entering your information and understanding the estimate.
This calculator is designed for Tax Year and FY 2026 to 2027 under the Income Tax Act, 2025, as amended by the Finance Act, 2026.
Enter annual amounts for the entire financial year. For example, if your monthly basic salary is ₹1,00,000, enter ₹12,00,000.
The new regime has lower slab rates but permits fewer deductions and exemptions. The old regime allows eligible deductions such as employee PF, health insurance premiums, HRA and specified investments. The calculator compares both automatically.
A resident individual can receive a rebate that reduces ordinary slab tax to zero when total income does not exceed ₹12 lakh. For an eligible salaried taxpayer, the ₹75,000 standard deduction can effectively make salary up to ₹12.75 lakh tax free, assuming there is no other income or special rate income.
No rebate is allowed against tax charged at special rates, such as specified capital gains. Special rate income also counts when checking whether total income exceeds the ₹12 lakh eligibility limit.
Marginal relief prevents a resident individual with income slightly above ₹12 lakh from paying more ordinary tax than the amount by which total income exceeds ₹12 lakh. For example, at taxable income of ₹12.10 lakh, income tax before cess is limited to approximately ₹10,000.
The calculator automatically applies ₹75,000 under the new regime and ₹50,000 under the old regime, limited to eligible salary or pension income.
Your employee PF contribution can qualify within the old regime ₹1.5 lakh deduction basket but does not reduce new regime taxable income. Employer PF is generally excluded from taxable salary within the applicable employer retirement contribution rules.
Eligible employer NPS is included in salary and then allowed as a deduction within the applicable percentage limit. Under the new regime, this calculator applies a limit of 14% of basic salary plus eligible DA.
Under the old regime, premiums for you, your spouse and dependent children have a separate ₹25,000 or ₹50,000 limit from premiums paid for parents. The higher limit applies when the relevant insured group includes a senior citizen.
The calculator deducts municipal taxes actually paid, applies the statutory 30% deduction to net annual value and then deducts eligible home loan interest. Old regime house property loss set off is limited to ₹2 lakh; the new regime does not allow that loss to offset salary or other income.
Some capital gains are taxed at special rates and do not follow the normal income tax slabs. Keeping them separate helps apply the rebate, basic exemption adjustment, loss set off and surcharge rules correctly.
Enter the coupon amount already included in salary and the number of eligible meals. The calculator limits the exemption to the lower of coupons received and the meal based maximum. Entering meals alone does not create an exemption.
Yes. The calculator adds the 4% health and education cess and applies applicable surcharge rates, specified income surcharge caps and statutory marginal relief.
This calculator provides an educational estimate. Reconcile the result with Form 16, AIS, TIS, capital gain statements, loan certificates and other tax documents before filing. Complex transactions may require professional advice.