Meri Salary Pe Kitna Tax Lagega? (Interactive Calculator 2026)
Soch rahe ho salary pe kitna tax lagega? Is interactive calculator se turant apna tax breakdown dekho, old vs new regime compare karo, aur samjho ki HRA, 80C, aur 80D jaise deductions 2026 mein aapki take-home pay ko kaise affect karte hain.
Salary Tax Calculator 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
Tax Slabs FY 2025-26 (AY 2026-27)
New Tax Regime Slabs
| Income Slab | Tax Rate |
|---|---|
| ₹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
| Income Slab | Tax Rate |
|---|---|
| ₹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
Tax Breakdown Samjho
1. Gross Income (CTC)
Aapki employment contract ki annual salary. Isme base salary, bonuses, allowances, aur doosre benefits shamil hain.
2. Standard Deduction
New Regime: ₹75,000 (old regime mein ₹50,000 se badhaaya gaya). Ye flat deduction sabko milta hai, koi documentation nahi chahiye.
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
Applicable tax slabs se calculate karo. Tax rate progressive hai — income ke alag-alag hisson pe alag rates lagte hain.
6. Health & Education Cess
Total income tax amount pe additional 4% charge hota hai (87A rebate ke upar agar applicable ho).
7. Total Tax & Take-Home
Aapki monthly take-home = (Annual CTC - Total Tax) / 12
New Regime vs Old Regime — Kaun Better?
| Criteria | New Regime | Old Regime |
|---|---|---|
| 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
Agar galat regime chun loon toh kya switch kar sakta hoon?
Nahi. Ek baar ITR filing mein regime chun liya (ya employer ne us regime ke under TDS kata), toh us financial year ke liye locked ho. Agle financial year (April) se switch kar sakte ho. Abhi hamare calculator se samajhdaari se plan karo!
Agar employer HRA de toh?
Agar employer HRA deta hai (Dearness Allowance ya HRA component), toh old regime mein HRA deduction claim NAHI kar sakte. Instead, aapka HRA already CTC mein included hai aur dono regimes ke lower slabs mein taxed hota hai.
80C deduction kaise claim karein?
80C deductions ITR filing ke waqt claim hote hain. Investment proofs chahiye: PPF passbook, ELSS mutual fund purchase statements, LIC policy premium receipts, NSC certificates. Financial year ke liye April se March tak ke saare documents sambhal ke rakho.
Bina kisi deduction ke bhi kya new regime better hai?
Haan! New regime mein tax slabs kam hain aur standard deduction zyada hai (₹75K). Agar koi bhi deduction claim nahi karte, tab bhi new regime zyaadatar earners ka tax bachata hai. Old regime sirf tabhi better hai jab aap ₹2.5L+ deductions claim kar sako (HRA + 80C + 80D + NPS milaake).
Agar rent deta hoon toh kya HRA claim kar sakta hoon?
Haan, par sirf old regime mein agar employer HRA component nahi deta. Claimable HRA = minimum of (rent ka 50%, ₹7,500/month, ya salary ka 10%). Rent receipts sambhal ke rakho. Agar employer HRA deta hai, toh wo already CTC ka hissa hai aur alag claim nahi ho sakta.
"Rebate u/s 87A" ka kya matlab hai?
Rebate u/s 87A government ki taraf se rahat hai: agar aapki taxable income new regime mein ₹12L se kam hai (ya old regime mein ₹3.5L se kam), toh aapki tax liability zero ho jaati hai. Ye automatic rahat hai — koi form nahi bharna padta.