Salary calculator (IN)

    Section 80C investments
    Max deductible: ₹1,50,000 — PPF, EPF, ELSS, LIC, home loan principal etc.
    Section 80D health insurance
    HRA exemption
    Pre-calculated exemption amount — see the note above for how to find this
    Home loan interest (Section 24b)
    Max deductible: ₹2,00,000 for a self-occupied property
    NPS additional contribution (80CCD 1B)
    Max deductible: ₹50,000 — over and above the 80C limit
    Other (80E, 80G, etc.)
    Education loan interest, donations, and other eligible deductions

    For indicative purposes only. Consult a chartered accountant for filing advice. Tax rates for FY 2026-27 (AY 2027-28).

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    This calculator estimates your income tax for FY 2026-27 (AY 2027-28) under both the new tax regime — the default since FY 2024-25 — and the old tax regime, so you can see which one leaves you with more take-home pay. The new regime applies a flat ₹75,000 standard deduction and lower slab rates but allows almost no other exemptions, while the old regime applies a ₹50,000 standard deduction plus whatever deductions you enter below, taxed at higher slab rates. Both regimes apply the Section 87A rebate for lower incomes, surcharge for high earners, and a 4% health and education cess.