FY 2026–27 salary tax tool
Estimate your salary tax and compare regimes.
Compare the old and new tax regimes, estimate annual and monthly tax, and understand which eligible deductions may affect your calculation.
Interactive calculator
Enter your salary details.
Add annual gross salary and the deductions or exemptions you can actually claim under the old regime. The calculator applies FY 2026–27 rules and compares both options.
Enter the combined eligible amount such as 80C, NPS 80CCD(1B), 80D, HRA exemption and eligible home-loan interest. Do not include standard deduction.
Estimated better option
New tax regime
Estimated difference: ₹1,17,000 per year
New regime
LowerEstimated annual tax
₹0
Taxable income: ₹11,25,000
Old regime
Estimated annual tax
₹1,17,000
Taxable income: ₹10,00,000
Lower annual tax
₹0
Approx. monthly tax
₹0
Salary after income tax
₹1,00,000
₹75,000
New-regime standard deduction for salary.
₹12 lakh
New-regime rebate threshold for eligible resident individuals.
₹1.5 lakh
Common old-regime 80C ceiling, subject to eligibility.
4%
Health and Education Cess added after income tax.
Ways salaried individuals may reduce tax
Compare both regimes every year using only deductions you can substantiate.
Under the old regime, review eligible 80C investments, employee PF, tuition fees and principal repayment within the combined ceiling.
Check additional NPS contribution under 80CCD(1B), eligible health-insurance deduction under 80D, HRA exemption and home-loan benefits.
Under the new regime, review eligible employer NPS contribution under 80CCD(2) and structure salary components carefully.
Submit declarations and proofs to your employer on time and reconcile Form 16, AIS and Form 26AS before filing.
Important calculation notes
This simplified estimate is for salary income of an individual below 60 and includes standard deduction, slab tax, applicable rebate or marginal relief, and 4% cess. It does not calculate surcharge, relief, arrears, agricultural income, capital gains, lottery income, foreign income, perquisites or other special-rate income. Eligibility for deductions depends on facts and documents.
Always use a complete computation before filing or making investment decisions.