INCOME TAX
Salary & Take-Home Calculator
Compare old and new salary-tax regimes, estimate take-home and transfer salary income to the annual computation.
Browser-only calculation: your inputs stay in this browser. Educational estimates; verify eligibility and current official rules before acting.
Full tax computation
| Computation | Old regime | New regime |
|---|
Detailed calculation breakdown
Explore the projection schedule
Illustrative values based on the assumptions above.
UNDERSTAND THE CALCULATION
How to use Salary & Take-Home Calculator
Compare old and new salary-tax regimes, estimate take-home and transfer salary income to the annual computation.
Inputs and definitions
Indian cash salary, separate foreign salary earned and first received abroad, verified ROR/RNOR/NR status, payroll deductions, year and regime. CTC can include amounts that are not take-home pay.
Method and formula
The selected residency controls foreign-salary inclusion in the Indian tax estimate. Total entered cash salary less estimated Indian tax and selected employee deductions gives illustrative annual take-home; divide by 12 for an average month. The result does not deduct foreign taxes.
Illustrative example
₹9 lakh cash salary less ₹60,000 employee deductions and an assumed ₹30,000 tax leaves ₹8.1 lakh, or ₹67,500 per average month.
COMMON QUESTIONS
Before you use the result.
Is income up to ₹12 lakh really tax-free?
For FY2025–26 and Tax Year2026–27, an eligible resident individual under the new regime can receive a rebate on slab-rate tax where total income does not exceed ₹12 lakh. Special-rate income, such as certain capital gains, is not covered by that rebate. With only eligible salary, the ₹75,000 standard deduction can bring gross salary of ₹12.75 lakh to that threshold. The threshold is not the same in earlier years, and the resident rebate does not apply to an HUF or a non-resident.
When does the old regime still win?
It depends on the year and your actual eligible exemptions and deductions. HRA, eligible housing-loan interest and Chapter VI-A deductions can narrow or reverse the difference. Enter supported amounts and compare both results; do not count the same deduction in the salary head and Chapter VI-A.
Can I switch regimes every year?
Without business or professional income, the choice can generally be made with the return each year, within the applicable filing rules. Business or professional income brings separate election, due-date and withdrawal restrictions. A payroll declaration alone does not settle the final return election.
What is sent to the Income Tax Computation Tool?
The transfer contains the salary-head amount for each regime after supported salary exemptions and salary-head deductions, including the applicable standard deduction, but before Chapter VI-A. It also carries the period, residence status and age band. Payroll deductions, tax credits and Chapter VI-A deductions are not transferred. Import is an explicit action in the same browser tab.
Read these answers with the selected period, calculation scope and official sources below.
Scope and limitations
Separate Indian salary from foreign salary earned and first received abroad. Take-home averages total entered cash salary less Indian tax and payroll deductions; foreign taxes are excluded. Use cash salary rather than CTC. For investments and other income, use the Income Tax Computation Tool.
These examples explain the method. The interactive result depends on the selected facts and period, and is not a filing or an eligibility confirmation.
Your inputs stay in this browser. Privacy details
Sources
Tax Year 2026–27 uses the Income-tax Act, 2025. Earlier financial years use the Income-tax Act, 1961 with applicable amendments. The old and new tax regimes are separate choices within those laws.