Salary & take-home calculator
Put in your CTC and see what actually reaches your bank account, under both the new and the old tax regime — and which one leaves you with more.
The rates behind the numbers
New regime, FY 2026-27. Old regime slabs are 2.5 / 5 / 10 lakh at 5% / 20% / 30%.
| Income slice | Rate |
|---|---|
| Up to ₹4,00,000 | 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 · Section 87A rebate up to ₹60,000, which makes taxable income up to ₹12,00,000 tax-free · 4% cess · surcharge above ₹50 lakh.
What this does and doesn't do
- Compares the two regimes on the same salary, so the difference is like for like.
- Uses the slabs in force for FY 2026-27, including the standard deduction, rebate, surcharge and 4% cess.
- It is an estimate, not a tax computation. It ignores marginal relief on surcharge, gratuity, LTA, employer NPS, leave encashment and any income outside salary.
- HRA uses the standard three-part test. Special cases — your own house, shared rent, non-metro city definitions — need a tax adviser.
- Slabs change with each Budget. The date above is the version encoded here.
Source for the rules: Income Tax Department ↗