मेरी सैलरी पर कितना टैक्स लगेगा? (Interactive Calculator 2026)
Wondering what tax you'll pay on your salary? Use this interactive calculator to instantly see your tax breakdown, compare old vs new regime, and understand how deductions like HRA, 80C, and 80D impact your take-home pay in 2026.
सैलरी टैक्स कैलकुलेटर 2026
Step 1: Enter Your Salary Details
Step 2: Choose Tax Regime
Step 3: Add Deductions (Old Regime Only)
Your Tax Calculation (FY 2025-26, AY 2026-27)
Gross Income
₹10,00,000
Standard Deduction
₹75,000
Total Deductions
₹0
Taxable Income
₹9,25,000
Income Tax
₹72,500
Health & Education Cess (4%)
₹2,900
Total Tax
₹75,400
Monthly Take-Home
₹77,050
टैक्स स्लैब FY 2025-26 (AY 2026-27)
New Tax Regime Slabs
| आय स्लैब | कर दर |
|---|---|
| ₹0 - ₹4,00,000 | 0% (Nil) |
| ₹4,00,001 - ₹8,00,000 | 5% |
| ₹8,00,001 - ₹12,00,000 | 10% |
| ₹12,00,001 - ₹16,00,000 | 15% |
| ₹16,00,001 - ₹20,00,000 | 20% |
| ₹20,00,001 - ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard Deduction: ₹75,000 | Rebate u/s 87A: Full tax rebate if taxable income ≤ ₹12L (covers up to ~₹12.75L CTC)
Old Tax Regime Slabs
| आय स्लैब | कर दर |
|---|---|
| ₹0 - ₹2,50,000 | 0% (Nil) |
| ₹2,50,001 - ₹5,00,000 | 5% |
| ₹5,00,001 - ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard Deduction: ₹50,000 | Allows deductions: 80C, 80D, HRA, NPS | Rebate u/s 87A: Full rebate if taxable income ≤ ₹3.5L
टैक्स ब्रेकडाउन समझें
1. Gross Income (CTC)
Your annual salary from your employment contract. This includes base salary, bonuses, allowances, and other benefits.
2. Standard Deduction
New Regime: ₹75,000 (increased from ₹50,000 in old regime). This is a flat deduction everyone gets, no documentation needed.
Old Regime: ₹50,000
3. Additional Deductions (Old Regime Only)
- 80C (₹1.5L max): PPF, ELSS, LIC premiums, NSC, post office schemes
- 80D: Health insurance premiums (up to ₹25K individual, ₹50K family)
- HRA Deduction: Only if your employer doesn't give HRA benefit. Claim 50% of rent paid (max ₹7,500/month)
- 80CCD (₹2L extra): NPS contributions above 80C limit
4. Taxable Income
Gross Income - Standard Deduction - Additional Deductions = Taxable Income
5. Income Tax
Calculate using applicable tax slabs. The tax rate is progressive — you pay different rates on different portions of income.
6. Health & Education Cess
An additional 4% is charged on the total income tax amount (above 87A rebate if applicable).
7. Total Tax & Take-Home
Your monthly take-home = (Annual CTC - Total Tax) / 12
नई रिजीम vs पुरानी रिजीम — कौन बेहतर?
| मानदंड | नई रिजीम | पुरानी रिजीम |
|---|---|---|
| Best for whom? | Most salaried employees ₹10-50L | High deduction claimers (₹2.5L+) |
| Standard Deduction | ₹75,000 | ₹50,000 |
| 80C, 80D, HRA, NPS Deductions? | No deductions allowed | Yes, all allowed |
| Lock-in Period | Once chosen, cannot switch for rest of FY | Once chosen, cannot switch for rest of FY |
| Tax Rate Below ₹10L income | 0% (Rebate u/s 87A) | 0-5% |
| Tax Rate Above ₹20L income | 20-30% | 30% |
FAQ
अगर गलत रिजीम चुन लूं तो क्या बदल सकता हूं?
No. Once you choose a regime in your ITR filing (or your employer withholds TDS under that regime), you're locked for that financial year. From the next financial year (April), you can switch. Plan wisely by using our calculator now!
अगर employer HRA देता है तो?
If your employer provides HRA (Dearness Allowance or HRA component), you CANNOT claim HRA deduction in old regime. Instead, your HRA is already included in your CTC and taxed under the lower slabs of both regimes.
80C कटौती कैसे क्लेम करें?
80C deductions are claimed during ITR filing. You need investment proofs: PPF passbook, ELSS mutual fund purchase statements, LIC policy premium receipts, NSC certificates. Maintain all documents from April to March for the financial year.
बिना किसी कटौती के भी क्या नई रिजीम बेहतर है?
Yes! The new regime has lower tax slabs and a higher standard deduction (₹75K). Even if you claim no deductions, new regime saves taxes for most earners. Old regime is only better if you can claim ₹2.5L+ in deductions (HRA + 80C + 80D + NPS combined).
अगर किराया देता हूं तो क्या HRA क्लेम कर सकता हूं?
Yes, but ONLY in old regime if your employer doesn't give HRA component. Claimable HRA = minimum of (50% of rent paid, ₹7,500/month, or 10% of salary). Keep rent receipts. If employer gives HRA, it's already part of your CTC and cannot be claimed separately.
"Rebate u/s 87A" का क्या मतलब है?
Rebate u/s 87A is a government relief: if your taxable income is below ₹12L in new regime (or ₹3.5L in old regime), your tax liability becomes zero. It's an automatic relief — no form to fill.