Work out your real take-home pay under India's New and Old tax regimes. Add every deduction you claim, factor in monthly and annual bonuses, and see a full slab-by-slab tax breakdown — then let the tool tell you which regime saves you more.
FY 2025–26 · AY 2026–27
Tax Regime
Income
₹
Your fixed monthly pay before any tax or PF is taken out.
₹
₹
Monthly bonus is paid every month; yearly bonus is paid once (e.g. performance / festival bonus).
Take-home Deductions (reduce pay, not tax)
₹
₹
These are withheld from your salary each month. In the Old Regime you can also claim PF under 80C below.
Tax Deductions (annual)
New Regime: most deductions (80C, 80D, HRA, home-loan interest, etc.) don’t apply. A flat ₹75,000 standard deduction is already applied for you. Switch to the Old Regime to claim the deductions below.
Total deductions claimed₹0
Annual Gross
₹0
incl. bonuses
Total Tax
₹0
incl. 4% cess
Annual In-hand
₹0
after tax & deductions
Monthly In-hand
₹0
average take-home
Tax Computation · New Regime
Gross annual income₹0
Less: Standard deduction₹0
Less: Other deductions₹0
Taxable income₹0
Tax on slabs₹0
Less: 87A rebate₹0
Add: Surcharge₹0
Add: Health & Education cess (4%)₹0
Total tax payable₹0
Effective tax rate0%
Slab-by-slab
Income slab
Rate
Tax
New vs Old — which saves more?
New Regime Saves more
₹0
In-hand ₹0/yr
Old Regime Saves more
₹0
In-hand ₹0/yr
Note. Estimates for salaried individuals under age 60, using FY 2025–26 (AY 2026–27) slabs, the ₹75,000 (New) / ₹50,000 (Old) standard deduction, Section 87A rebate with marginal relief, applicable surcharge, and 4% Health & Education cess. Actual liability depends on your full income profile, exemptions (HRA computation, LTA), and employer structuring — treat this as a planning tool, not tax advice.
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