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In-hand salary · Old vs new regime · FY 2026-27

What you take home, and which tax regime wins.

Type your CTC. The answer shows as you type.

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Tax rules as of September 2026, from the Income-tax Act and Finance Act 2026. No sign-up, no ads, and what you type stays on this device. How each number is worked out

Income tax

Old regime or new regime?

Type your CTC to see which regime leaves more in your hand, and whether your deductions can make the old one win.

1 Your income
My income comes from
2 Do you have any of these?

Tick what applies and only those questions appear. Nothing ticked is fine: salary alone gives a real answer.

3 Your details
Rent and HRA
Home loan
80C investments and NPS
Health insurance (80D)
Capital gains

Not sure of the figures? The capital gains calculator works them out from a sale, or from your broker's Tax P&L file.

Interest, dividends and rent received
Other deductions and perks

What to do next

Show the detailed working: charts, every line, and the rules
Provision-by-provision reference (what each regime allows)
Please note. This is an estimate for information only and is not tax advice. Please consult your tax consultant or chartered accountant before taking any decision.
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Retirement

National Pension System

How NPS works, what your contributions could grow into, what you get at 60, and how it is taxed in each regime. Information only, not a recommendation.

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About

TaxCompass India helps salaried and self-employed Indians see the effect of the old and new tax regimes, plan loans and investments, and understand government savings schemes, in plain language.

Rates and provisions as compiled on 13 September 2026 for FY 2025-26 and FY 2026-27.

Data sources

Income-tax Act 1961 and 2025, Finance Act 2026, CBDT circulars and notifications; PFRDA for NPS; AMFI NAV history for mutual fund returns.

Disclaimer

General information and education only, not legal, tax, financial or investment advice. Where this differs from the Act, Rules, Circulars or Notifications, those prevail. We are not a SEBI-registered Investment Adviser. Please consult a chartered accountant, tax practitioner or registered adviser before acting.

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