Income Tax & Take-Home Calculator (FY 2025-26)
Enter your CTC and any deductions — in plain English, no jargon. See your income tax, monthly take-home, and whether the old or new regime saves you more. Everything is calculated in your browser; nothing is stored.
These lower your tax in the old regime (the new regime ignores them, apart from the two employer items above). Enter what applies to you — most people only fill a few.
New Regime default
Old Regime with deductions
Take-home is approximate: gross taxable salary − total tax − professional tax (₹2,400/yr). It doesn't subtract your own PF or voluntary savings, since those are money you keep. Employer PF and employer NPS are treated as non-taxable parts of CTC.
FY 2025-26 tax slabs (for reference)
New Regime (default)
| Up to ₹4 lakh | 0% |
| ₹4–8 lakh | 5% |
| ₹8–12 lakh | 10% |
| ₹12–16 lakh | 15% |
| ₹16–20 lakh | 20% |
| ₹20–24 lakh | 25% |
| Above ₹24 lakh | 30% |
₹75,000 standard deduction + full rebate up to ₹12L taxable income (no tax up to ₹12.75L salary).
Old Regime
| Up to ₹2.5 lakh | 0% |
| ₹2.5–5 lakh | 5% |
| ₹5–10 lakh | 20% |
| Above ₹10 lakh | 30% |
₹50,000 standard deduction + all deductions above + rebate up to ₹5L taxable income.
Frequently asked questions
Is my CTC the same as my taxable salary?
No. CTC includes employer contributions — the employer's share of PF and gratuity — which aren't part of your taxable salary. Subtract the employer-PF portion of your CTC (there's an optional field for it above) to get your gross taxable salary. If you don't know it, leaving it at 0 gives a slightly conservative (higher) tax estimate.
Which regime should I choose — old or new?
Use the new regime if you have low deductions; use the old regime if you claim large ones (80C, 80D, HRA, home loan interest). The breakeven for a typical salary is roughly ₹3.75–4.25 lakh of total deductions. The calculator picks the cleaner winner for your exact numbers.
Do my deductions (80C, 80D, HRA…) help in the new regime?
Mostly no. The new regime allows only the ₹75,000 standard deduction and the employer's NPS contribution (80CCD-2). Everything else — 80C, 80D, HRA, home loan interest, donations — only reduces tax in the old regime.
How is take-home calculated here?
Approximate take-home = gross taxable salary − total income tax − professional tax (₹2,400/year). It doesn't subtract your own PF or voluntary investments, because those are savings you keep, not a tax cost.
Can I switch regimes every year?
Salaried employees can switch every year while filing their ITR. Those with business/professional income have a one-time switch back to old, so choose carefully if self-employed.