Lifestyle and rent presets: estimates, last compiled July 2026. Tax pages cite their own sources. Disclaimer | Contact
Enter your salary details to see estimated tax under both regimes. All figures based on FY 2026-27 / Income Tax Act, 2025.
The engine unfolds your CTC into basic (40% of CTC), HRA, employer PF, and gratuity, then arrives at gross. Employer NPS inside CTC is part of taxable salary, then deducted under 80CCD(2); it is not cash. The old regime subtracts the ₹50k standard deduction, Professional Tax, HRA exemption, and your 80C/80D/NPS/24(b) deductions; the new regime subtracts ₹75k and employer NPS (capped at 14% of basic) — not PT or 80CCD(1B), which s.115BAC disallows. Take-home is cash salary minus employee PF, professional tax paid, employee NPS, and income tax. Each remainder is run through the regime's slabs, with the 87A rebate (₹12L threshold new, ₹5L old, marginal relief to ₹12,70,588), surcharge marginal relief on ordinary salary income, and a 4% cess. The "wins" banner and the saving are simply the gap between the two tax totals.
Slab tax is computed by marching taxable income across the band limits and multiplying each slice by its rate — no lookups, pure arithmetic.
CTC ₹15,00,000. Mumbai (metro). Rent ₹25,000/month. Below 60. 80C ₹1,50,000, 80D ₹25,000, NPS 1B ₹50,000, employer NPS ₹60,000.
Raise the salary and the old regime's deductions weigh less — but the tool lets you see that flip instead of assuming it.
Because tax is levied on your taxable income, not your CTC. The tool backs out employer PF, gratuity provision, and other pre-tax components, then applies HRA exemption, standard deduction, and your deductions to reach taxable income in each regime.
It is the least of three: actual HRA received, rent paid minus 10% of basic, and 50% of basic in metros (40% elsewhere). The tool assumes HRA is 50% of basic in metros and 40% otherwise, and computes rent from your monthly figure.
The new regime gives a ₹75,000 standard deduction and employer NPS (80CCD(2)) up to 14% of basic — but no HRA, 80C, 80D, 80CCD(1B), professional-tax deduction, or home-loan interest. Professional tax and employee NPS still leave your bank account. The old regime gives the ₹50,000 standard deduction plus the full deduction stack shown.
A flat ₹2,400 is applied everywhere except Delhi (₹0). A few states use slab-based PT, which this tool does not model — it uses the flat default.
The s.87A rebate wipes out the tax bill up to ₹12 lakh of taxable income, with marginal relief above it. This tool reflects that for the new regime and the ₹5 lakh rebate for the old.
Yes. 80CCD(2) allows up to 14% of Basic+DA in the new regime versus 10% in the old. The tool caps employer NPS at the regime percentage of basic.
No — they are estimates at FY 2026-27 rates. Actual tax depends on Form 16, 26AS, AIS, and your specific salary structure. Use this to compare regimes, not to file.
Estimate only
Your actual tax depends on the real salary structure in Form 16, your HRA as paid, and every deduction you can prove — not the 40/50/40 split this tool assumes. Use it to pick a regime, then get a CA to reconcile the filing number.