Income Tax Calculator

Compare old vs new regime income tax with slabs, deductions and take-home.

100% private — every calculation happens in your browser. Nothing is uploaded, no login needed. Covers the latest slabs including the ₹12 lakh §87A rebate and marginal relief.

1Your profileYear, age, residency and employment

Financial year

Age category

Employment type

Standard deduction applies to salaried and pensioners. Resident taxpayer assumed.

2IncomeSalary, business, interest, rent and more

Annual gross salary (CTC excl. employer PF)

₹

Annual basic salary (+ DA)

₹

Bonus

₹

Commission

₹

Savings-account interest

₹

FD / deposit interest

₹

Rental income (annual)

₹

Dividend income

₹

Family pension

₹

Other income

₹

STCG — equity (optional)

₹

LTCG — equity (optional)

₹

Agricultural income (optional)

₹

3HRA — house rent allowanceWe calculate the exemption for you (old regime)

I live in rented accommodation and receive HRA

4Allowances & exemptionsLTA, professional tax and other exempt allowances

LTA claimed (exempt amount)

₹

Professional tax paid

₹

Children (education allowance)

Transport allowance (disabled only, monthly)

₹

Other exempt allowances

₹

The standard deduction (₹50,000 old / ₹75,000 new regime) is applied automatically.

580C investments₹0 of ₹1,50,000 used

₹1,50,000 of headroom left (old regime).

PPF

₹

EPF (employee share)

₹

ELSS mutual funds

₹

Life insurance premium

₹

NSC

₹

Children tuition fees

₹

Sukanya Samriddhi

₹

Tax-saver FD (5-yr)

₹

6Other deductions80D, NPS, education loan, donations and more — limits auto-applied

NPS — 80CCD(1B)

₹

Employer NPS — 80CCD(2)

₹

80D — health insurance (self & family)

₹

80D — health insurance (parents)

₹

Parents are senior citizens (60+)

80E — education-loan interest

₹

80G — donations (eligible amount)

₹

80GG — rent (no HRA received)

₹

80EE — first-home interest

₹

80EEA — affordable housing interest

₹

80DDB — specified illness treatment

₹

80DD — dependant with disability80U — self disability

80TTA / 80TTB on your interest income is applied automatically from step 2. All statutory limits are validated for you.

7Home loanInterest (§24b) and principal (80C)

Interest paid this year

₹

Principal repaid this year

₹

Joint ownership? Each co-borrower can claim these limits separately on their share — run the calculator per person.

Enter your income above — results, regime comparison and tax-saving tips appear here instantly.