India Tax Calculators
Free, accurate calculators for Assessment Year 2026-27 (FY 2025-26)
Popular Calculators
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How to use these calculators
- Pick the calculator or guide that matches your income type, deduction, or filing question.
- Enter annual figures unless the tool says otherwise and keep the same AY or FY context throughout the calculation.
- Use the result as an estimate, then verify the final figure on the Income Tax Department portal or with your filing records.
Popular tax scenarios
- Salaried with HRA: Start with HRA Exemption, then compare Old vs New Regime, and review the HRA rules guideHRA rules guide.
- Maximising deductions: Combine 80C Tracker, 80D, NPS, and the deductions checklist.
- Property or equity sale: Use the Property Capital Gains or Equity Capital Gains tools and then read the capital gains basics guide.
- Quick filing prep: Start with ITR Form Finder, Residential Status, and Quick Tax Calculator.
Sources & references
How These India Tax Calculators Work
Every calculator on this page is a static HTML and JavaScript tool that runs entirely in your browser. There is no server-side processing, no data upload, and no account requirement. When you enter CTC, basic salary, HRA, rent paid, 80C investments, capital gains, or home loan interest, the math runs locally on your device using the slab rates, standard deduction, Section 87A rebate, surcharge bands, and cess applicable for Assessment Year 2026-27 (Financial Year 2025-26).
The Old vs New Regime calculator computes tax under both regimes side by side, the HRA Exemption tool applies the three-formula minimum from Section 10(13A), the 80C Tracker enforces the Rs 1,50,000 cap, and the Capital Gains tools apply the post-July-2024 rates of 20% STCG and 12.5% LTCG on equity, plus the 12.5% non-indexed LTCG on property (or 20% indexed for pre-23-July-2024 acquisitions). The Advance Tax tool splits annual liability into the legal 15-June, 15-September, 15-December, and 15-March instalments and flags Section 234B and 234C interest exposure.
Common Tax Planning Use Cases
Salaried employees use the Old vs New Regime tool every March or April to lock in the right regime for the new financial year, especially after a salary revision changes the deduction-versus-slab math. New joiners and offer evaluators rely on the CTC to In-hand calculator to translate a Rs 18 LPA package into a real monthly take-home figure after PF, professional tax, and the standard deduction. Tenants in metro cities use the HRA Exemption tool to maximise the exemption when negotiating a basic-versus-HRA split with their employer. Investors use the Equity Capital Gains and Property Capital Gains tools after a mutual fund redemption or property sale to estimate LTCG and STCG before filing. Freelancers, consultants, and rental-income earners use the Advance Tax calculator to avoid 1% per month interest under Sections 234B and 234C. NPS subscribers use the 80CCD calculator to claim the extra Rs 50,000 deduction over and above 80C, and senior citizens use the 80D calculator to combine self and parent medical insurance for up to Rs 75,000 of deduction.
Frequently Asked Questions
Are these calculators updated for AY 2026-27 and FY 2025-26?
Yes. Every income tax, rebate, surcharge, capital gains, and HRA tool on this page reflects the slab rates, standard deduction, Section 87A rebate threshold, and surcharge bands applicable for Assessment Year 2026-27 (Financial Year 2025-26) under the latest Finance Act amendments. The new tax regime is treated as the default and the old regime is available for side-by-side comparison.
How do I choose between the old and new tax regimes?
Use the Old vs New Regime calculator to enter your gross salary, HRA, and all eligible deductions (80C, 80D, 80CCD(1B), home loan interest, etc.). The tool computes tax under both regimes side by side. As a rule of thumb, the old regime usually wins when total deductions exceed roughly Rs 4 lakh on a salary of Rs 12 to 15 lakh, but the new regime is simpler and often better for taxpayers who do not invest in 80C or claim HRA.
How is HRA exemption calculated for a salaried employee?
HRA exemption under Section 10(13A) is the minimum of three values: the actual HRA received from the employer, 50% of basic salary plus DA for metro cities (Mumbai, Delhi, Kolkata, Chennai) or 40% for non-metros, and the actual rent paid minus 10% of basic plus DA. Our HRA Exemption calculator runs all three formulas automatically and shows you the exempt amount, the taxable HRA, and the rent receipts you should retain.
What deductions can I claim under Sections 80C, 80D, and 80CCD(1B) in the old regime?
Section 80C allows up to Rs 1,50,000 across PPF, ELSS, EPF, life insurance premium, principal repayment on home loan, NSC, tax-saving FD, and tuition fees. Section 80D allows up to Rs 25,000 for self and family medical insurance and an additional Rs 25,000 (or Rs 50,000 for senior parents). Section 80CCD(1B) gives an extra Rs 50,000 for NPS Tier-1 contributions over and above 80C. The 80C Tracker, 80D, and NPS calculators on this page handle all three together.
How does CTC translate to in-hand monthly salary in India?
CTC (Cost to Company) includes basic, HRA, special allowance, employer PF contribution, gratuity provision, variable pay, and other indirect costs. The CTC to In-hand calculator subtracts employer-side items (gratuity, employer PF), applies the standard deduction of Rs 75,000 (FY 2025-26 new regime) or Rs 50,000 (old regime), computes income tax including cess, and divides by 12 to give your monthly take-home. Professional tax and own PF contribution are also deducted.
What is advance tax, and when do I need to pay it?
Advance tax applies if your total tax liability for the year exceeds Rs 10,000 after TDS. Salaried employees usually pay through TDS, but if you have rental, capital gains, business, or freelance income, the Advance Tax calculator splits your annual tax into the four legal instalments due 15 June (15%), 15 September (45%), 15 December (75%), and 15 March (100%). Late payment attracts interest under Sections 234B and 234C.
How are capital gains on equity and property taxed in AY 2026-27?
Equity short-term gains (held under 12 months) are taxed at 20% under Section 111A from July 2024 onwards, and long-term gains over Rs 1.25 lakh per year are taxed at 12.5% without indexation. Property and other unlisted assets held over 24 months attract LTCG at 12.5% without indexation, or 20% with indexation only for property bought before 23 July 2024. Use the Equity Capital Gains and Property Capital Gains calculators to see your exact liability.
Is my salary and income data private when I use these calculators?
Yes. Every India tax calculator runs entirely in your browser. Your CTC, basic, HRA, rent, deductions, capital gains, and bank details are never uploaded to a server, logged in a database, or shared with third parties. You can use these tools to plan an offer letter negotiation, evaluate a job change, or estimate ITR figures without disclosing private salary information.