Tax Calculator

Age

City

From FY 2026–27: Bengaluru, Pune, Hyderabad, Ahmedabad also count as metros

Basic + DA (annual)

₹

Used for HRA & NPS calculations

HRA received

₹

Other allowances

₹

Employer NPS contribution

₹

Cap: 14% of basic = ₹1,68,000 · works in BOTH regimes

Property type

Annual rent paid (yours)

₹

For HRA

Home loan interest paid

₹

Self-occupied: cap ₹2L · Let out: full

STCG — equity (15% / 20%)

₹

15% till Jul'24 · 20% from Jul'24 onwards

LTCG — equity (above ₹1.25L)

₹

12.5% on gains beyond ₹1.25L exemption

STCG — other (debt, etc.)

₹

Taxed at slab rate

LTCG — other (property/gold)

₹

12.5% without indexation

Interest income

₹

FD, savings, bonds

Dividend income

₹

Business / professional income

₹

Net profit (after expenses)

80C investments

₹

EPF, PPF, ELSS · cap ₹1.5L

80CCD(1B) — self NPS

₹

Cap ₹50,000

80D — health insurance

₹

₹25K self · ₹50K parents

80E — education loan

₹

Interest, no cap

Other deductions (80G, 80TTA, etc.)

₹

FY 2025–26 · Tax recommendation

Choose the old regime

Saves you ₹0 annually

Old regime

₹0

Effective: 0.00%

New regime

₹0

Effective: 0.00%

Total income at a glance

All heads · annual

Side-by-side breakdown

Annual figures

Component	Old regime	New regime

Breakeven analysis

When old wins

For your income, the old regime becomes worthwhile only if your old-regime-only deductions cross:

Breakeven deductions

₹0

Below this, new regime always wins. Above, old saves more.

Tax-saving moves

Ranked by impact for you

Old vs New regime —
which saves you more?

Choose the old regime

Total income at a glance

Side-by-side breakdown

Breakeven analysis

Tax-saving moves

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