1 Your income

My income comes from

Gross annual salary or pension (₹) Annual Basic + DA (₹) on your payslip; usually 40-50% of gross Conveyance allowance (₹) fully taxable since 2018; part of the gross above Variable pay or bonus (₹) target amount for the year; 0 if none That bonus is Special allowance (₹) the balance of the gross, worked out for you

Age Financial year Residential status

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.

🏢 I pay rent / get HRA 🏠 Home loan 💹 80C investments, NPS 🩺 Health insurance 📈 Sold shares, funds or property 💵 Interest, dividends, rent received ➕ Other deductions and perks

3 Your details

Rent and HRA

HRA received (₹) Annual rent paid (₹) with HRA the exemption is worked out; without HRA, 80GG gives up to ₹60,000 (old regime) City

Home loan

Interest paid this year, home you live in (₹) old regime only, cap ₹2,00,000 Interest paid, a home you rent out (₹) uncapped in both regimes; loss is stranded in the new

80C investments and NPS

Count my EPF contribution in 80C (your own 12% of Basic + DA; the employer's share is exempt, not a deduction) My actual EPF + VPF contribution per year (₹) leave 0 to use 12% of Basic + DA Other 80C investments, excluding EPF (₹) PPF, ELSS, LIC, NSC, SSY, home loan principal, tuition Own NPS contribution, 80CCD(1B) (₹) the extra ₹50,000 on top of 80C Own NPS within 80C, 80CCD(1) (₹) up to 10% of Basic + DA for employees, 20% of income for the self-employed, inside the ₹1.5 lakh Employer NPS contribution (₹) 14% cap in new regime for everyone; 10% for private employers in old Central or State Government employer

Health insurance (80D)

Premium, self and family (₹) Premium, parents (₹) Parents are 60 or above

Capital gains

STCG on listed equity / equity MF (₹) held 12 months or less, taxed at 20% LTCG on listed equity / equity MF (₹) first ₹1,25,000 exempt, then 12.5% LTCG on other assets (₹) 12.5% without indexation Lottery / online gaming / crypto gains (₹) 30%

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

Savings account interest (₹) FD / RD interest (₹) Dividends (₹) Other income (₹) Rent received, property you let out (₹) Municipal tax paid on it (₹)

Other deductions and perks

LTA exemption claimable (₹) travel fare only Professional tax paid (₹) Education loan interest (₹) Donations, 80G (₹) Donation category Disability Employer PF + superannuation + NPS combined (₹) above ₹7,50,000 is a taxable perquisite Other taxable perquisites (₹) company car, accommodation, per your Form 16

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.

In-hand salary · FY 2026-27

In-hand salary for every CTC, ₹3 lakh to ₹2 crore

What each CTC pays in hand a month, the income tax in each regime, and which one is cheaper with no deductions beyond PF. Open any salary for the full breakup and the deductions at which the old regime wins, or type your own CTC.

CTC	In hand a month	Tax, new regime	Tax, old regime	Cheaper regime
₹3 lakh	₹21,919	₹0	₹0	no tax either way
₹4 lakh	₹29,292	₹0	₹0	no tax either way
₹5 lakh	₹36,665	₹0	₹0	no tax either way
₹6 lakh	₹44,038	₹0	₹0	no tax either way
₹7 lakh	₹51,411	₹0	₹26,920	new, by ₹26,920
₹8 lakh	₹58,784	₹0	₹45,320	new, by ₹45,320
₹9 lakh	₹66,157	₹0	₹63,730	new, by ₹63,730
₹10 lakh	₹73,530	₹0	₹82,130	new, by ₹82,130
₹11 lakh	₹80,903	₹0	₹1,00,530	new, by ₹1,00,530
₹12 lakh	₹88,276	₹0	₹1,19,910	new, by ₹1,19,910
₹13 lakh	₹95,649	₹0	₹1,47,510	new, by ₹1,47,510
₹14 lakh	₹1,00,347	₹32,100	₹1,75,110	new, by ₹1,43,010
₹15 lakh	₹1,03,581	₹81,770	₹2,02,720	new, by ₹1,20,950
₹16 lakh	₹1,09,741	₹96,320	₹2,30,320	new, by ₹1,34,000
₹17 lakh	₹1,15,902	₹1,10,870	₹2,57,930	new, by ₹1,47,060
₹18 lakh	₹1,22,045	₹1,25,630	₹2,85,530	new, by ₹1,59,900
₹19 lakh	₹1,27,801	₹1,45,030	₹3,13,140	new, by ₹1,68,110
₹20 lakh	₹1,33,558	₹1,64,430	₹3,40,740	new, by ₹1,76,310
₹21 lakh	₹1,39,314	₹1,83,830	₹3,68,350	new, by ₹1,84,520
₹22 lakh	₹1,45,070	₹2,03,230	₹3,95,950	new, by ₹1,92,720
₹23 lakh	₹1,50,522	₹2,26,290	₹4,23,550	new, by ₹1,97,260
₹24 lakh	₹1,55,874	₹2,50,540	₹4,51,160	new, by ₹2,00,620
₹25 lakh	₹1,61,226	₹2,74,790	₹4,78,760	new, by ₹2,03,970
₹26 lakh	₹1,66,577	₹2,99,050	₹5,06,370	new, by ₹2,07,320
₹27 lakh	₹1,71,741	₹3,25,560	₹5,33,970	new, by ₹2,08,410
₹28 lakh	₹1,76,689	₹3,54,660	₹5,61,580	new, by ₹2,06,920
₹29 lakh	₹1,81,637	₹3,83,760	₹5,89,180	new, by ₹2,05,420
₹30 lakh	₹1,86,585	₹4,12,860	₹6,16,790	new, by ₹2,03,930
₹32 lakh	₹1,96,480	₹4,71,070	₹6,73,120	new, by ₹2,02,050
₹35 lakh	₹2,11,324	₹5,58,370	₹7,60,430	new, by ₹2,02,060
₹40 lakh	₹2,36,063	₹7,03,880	₹9,05,940	new, by ₹2,02,060
₹45 lakh	₹2,60,802	₹8,49,400	₹10,51,450	new, by ₹2,02,050
₹50 lakh	₹2,85,541	₹9,94,910	₹11,96,960	new, by ₹2,02,050
₹60 lakh	₹3,24,303	₹14,14,520	₹16,36,780	new, by ₹2,22,260
₹70 lakh	₹3,71,357	₹17,34,640	₹19,56,900	new, by ₹2,22,260
₹75 lakh	₹3,94,883	₹18,94,700	₹21,16,960	new, by ₹2,22,260
₹80 lakh	₹4,18,409	₹20,54,770	₹22,77,020	new, by ₹2,22,250
₹90 lakh	₹4,65,463	₹23,74,890	₹25,97,150	new, by ₹2,22,260
₹1 crore	₹5,12,516	₹26,95,010	₹29,17,270	new, by ₹2,22,260
₹1.5 crore	₹7,31,510	₹44,90,880	₹47,23,240	new, by ₹2,32,360
₹2 crore	₹9,54,433	₹62,39,600	₹64,71,960	new, by ₹2,32,360

Basic at 40% of the CTC, HRA half of Basic, employer PF and gratuity inside the CTC, ₹2,400 professional tax, age under 60, FY 2026-27. An estimate, not tax advice.

What you take home, and which tax regime wins.

More decisions

Old regime or new regime?

What to do next

In-hand salary for every CTC, ₹3 lakh to ₹2 crore

What do you want to work out?

National Pension System

Glossary

How TaxCompass works, and where the numbers come from