Free India Income Tax & Take-Home Calculator
Estimate your India income tax and monthly take-home salary for FY 2026-27 or 2025-26 under both the New and Old regimes, with a side-by-side comparison showing which one saves you more.
New regime is the default. Switch to compare with the old regime and its deductions.
FY 2026-27 uses the same slabs, Rs 75,000 standard deduction and Rs 60,000 section 87A rebate as FY 2025-26 (Budget 2026 left them unchanged).
= ₹15,00,000
Subtracted from the monthly take-home, not from taxable income. Employee PF is usually 12% of basic salary.
New vs Old regime
You save ₹89,700 under the New regime| Component | New Regime | Old Regime |
|---|---|---|
| Taxable income | ₹14,25,000 | ₹12,25,000 |
| Income tax | ₹93,750 | ₹1,80,000 |
| Section 87A rebate | ₹0 | ₹0 |
| Surcharge | ₹0 | ₹0 |
| Cess (4%) | ₹3,750 | ₹7,200 |
| Total tax | ₹97,500 | ₹1,87,200 |
| Net annual take-home | ₹14,02,500 | ₹13,12,800 |
| Monthly take-home | ₹1,16,875 | ₹1,09,400 |
Runs entirely in your browser - nothing you enter is uploaded or stored. FY 2026-27.
How It Works
This calculator works out your India income tax and net take-home pay for FY 2026-27 (AY 2027-28), FY 2025-26 or FY 2024-25 under both the New and Old tax regimes, then tells you which regime leaves more money in your pocket. Everything is computed instantly in your browser as you type.
- 1Enter your gross annual salaryType your total annual salary in rupees, or tap a preset (8L, 12.75L, 15L, 24L, 50L, 1Cr). The result updates live with Indian digit grouping.
- 2Pick a regime and your detailsThe New regime is selected by default. Keep the salaried toggle on to apply the standard deduction (Rs 75,000 new / Rs 50,000 old). Switch to the Old regime to enter your age band and deductions like 80C, 80D, HRA, home-loan interest and NPS 80CCD(1B) - caps are enforced automatically.
- 3Read your take-home and tax breakdownSee your monthly and annual take-home, taxable income, slab tax, Section 87A rebate, surcharge, 4% cess and total tax. Marginal relief is applied just above Rs 12L so a small income over the threshold never triggers a huge tax jump.
- 4Compare New vs Old and copyA side-by-side comparison shows take-home and total tax for both regimes and flags the better one (You save Rs X under the New/Old regime). Copy a clean text summary with one click.
Runs 100% in your browser. Your salary and deduction figures are never uploaded, logged, or stored anywhere.
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