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Salary & pension · Individual tax calculator

Understand your tax.
Choose with clarity.

A few details. Both regimes. One clear comparison — with the calculation explained.

READY FOR TAX YEAR2026–27Also supports FY 2025–26
01

Your income

Start with your year and gross income.

Before standard deduction and income-tax TDS; not take-home pay or CTC. Combine salary and regular pension across payers. Include employer NPS if claimed below.

Standard deduction is automatic: up to ₹75,000 in the new regime and ₹50,000 in the old regime. Family pension has a separate rule.

Add interest, family pension or other income

Enter taxable family pension received after an employee’s death. Do not include exempt receipts. Its deduction is calculated separately.

Annual interest from eligible bank / co-operative bank / post-office savings accounts.

Annual taxable interest from eligible bank / co-operative bank / post-office deposits.

Enter positive income already computed after permitted municipal taxes, 30% deduction and eligible let-out interest. If the regimes give different figures or a loss arises, this edition does not cover that case.

Slab-rate income only, excluding anything already entered. Do not include capital gains, dividends, business, foreign, agricultural or gaming income.

02

Your deductions

Optional. Leave amounts blank if not applicable.

Most claims below reduce old-regime income only. Employer NPS is compared separately.

Eligible PF, LIC, ELSS, tuition, housing principal etc.; combined 80C/80CCC/80CCD(1)-type limit ₹1.5 lakh. Enter only the eligible amount.

Extra eligible contribution, up to ₹50,000. Exclude any contribution already counted under investments above.

Health insurance deductions

Annual eligible non-cash health-insurance / CGHS payments. Preventive check-up and uninsured senior medical expenses need separate eligibility checks; enter only an already verified claim.

Cap ₹25,000, or ₹50,000 where the insured qualifies as a resident senior citizen.

Separate cap ₹25,000, or ₹50,000 for qualifying resident senior parents.

The higher limit depends on a qualifying senior person being insured, not only the payer’s age. Preventive check-ups, if included in an independently verified claim, have a combined ₹5,000 sub-limit.

Home-loan interest & professional tax

Annual interest only; principal belongs in tax-saving investments. Subject to ownership, completion and other conditions. Aggregate self-occupied deduction is capped, not per property.

Salary-head deduction in the old regime. Do not enter income-tax TDS here.

HRA exemption helper
Employer NPS · both regimes

The employer deduction uses this salary definition, not CTC.

Already included in gross salary above. Old regime: up to 14% for government / 10% for others. New regime: up to 14%. Include taxable retirement-fund perquisites in gross salary where applicable.

A quick check before comparing

This edition covers resident individuals with ordinary slab-rate income. Special cases need a different calculation.

Already paid tax? Add credits

Total credit for this year verified against your tax records.

Credits reduce the balance, not annual tax liability. Interest, fees, arrears relief and refund interest are not calculated.

Simple inputs. Transparent calculation.

1. Enter gross income

Use salary or regular pension before standard deduction. Add family pension and taxable interest separately.

2. Add claims you are eligible for

Common caps, age-based benefits and regime restrictions are applied automatically. Do not count the same payment under two claims.

3. Compare the actual tax

See rebate, marginal relief, surcharge and 4% cess separately. The highlighted regime has the lower estimated annual tax for these inputs.

What this edition covers

Resident individuals: salary, taxable regular/family pension, eligible bank interest and ordinary taxable income. Excludes capital gains, dividends, business, foreign/agricultural income, crypto/gaming, losses, AMT, treaty relief, arrears relief and interest/fees. A regime comparison is not an election in your filed return.

Rules & official sources

Reviewed on 19 October 2026. FY 2025–26 and Tax Year 2026–27 have separate year identities in this page.

For FY 2025–26 the 1961 Act applies; Tax Year 2026–27 uses the 2025 Act, as amended. Familiar deduction labels describe the benefit, not a claim that old section numbers still govern the later year.

Use the comparison with your records

Select the supported year and read the exclusions shown above. Start from gross salary or regular pension, rather than take-home pay; keep family pension and credits in their separate fields. A saved comparison is not an income-tax return or an official assessment.

વર્ષ અને આવકની વિગતો રેકોર્ડથી તપાસો. ખાસ પ્રકારની આવક અથવા નુકસાન હોય તો આ ટૂલની મર્યાદા વાંચો અને યોગ્ય સલાહ લો.

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