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Calculate monthly tax deductions and take-home salary for a monthly salary of ₹1 Lakh.
Calculate income tax liability comparing Old vs New tax regimes under latest Union Budget guidelines. Plan deductions like 80C, 80D, NPS, home loan interest, and estimate marginal relief and tax refunds.
Designed for direct use without extra steps or inflated trust claims.
Compare New vs Old Regime · FY 2023-24, 2024-25, 2025-26
30% standard deduction applied
Taxed at flat 20%
First ₹1.25L exempt; balance at 12.5%
Review deduction eligibility in the Deductions Planner tab for a refined estimate.
HRA exemption = Minimum of: (a) Actual HRA received, (b) Rent paid − 10% of basic salary, (c) 50% of basic salary (metro cities) or 40% (non-metro). Enter the exempt portion in the Deductions Planner.
Under the New Regime, if total taxable income does not exceed ₹12 Lakhs, the full income tax liability is rebated (effectively nil tax). The standard deduction of ₹75,000 means salaried employees earning up to ₹12.75L/yr pay zero tax.
The Old Regime beats the New Regime when your total deductions (80C + 80D + HRA + home loan interest + NPS etc.) exceed approximately ₹4.25–5L for a ₹15L income. Always verify with actual numbers.
STCG on equity mutual funds/stocks (held < 1 year): 20% flat (w.e.f. Budget 2024). LTCG on equity (held > 1 year): 12.5% on gains exceeding ₹1.25L per year (exemption limit raised from ₹1L in Budget 2024).
If estimated income tax (minus TDS) exceeds ₹10,000 in a year, you must pay advance tax in installments: 15% by June 15, 45% by Sep 15, 75% by Dec 15, 100% by Mar 15. Failure attracts 1% monthly interest.
Indian Income Tax & Deductions Engine is an interactive calculator built with standardized mathematical formulas and zero-latency client evaluation. Compare Old vs New tax regime (FY 2024-25), plan deductions under Sec 80C, 80D, 80CCD (NPS), and compute surcharges. Values update in real time as you adjust parameters, allowing you to model different financial, health, or dimensional scenarios privately without submitting data over the web. Built for zero-latency execution, Indian Income Tax & Deductions Engine eliminates network round-trips by computing results directly within your device session. Whether you are running routine income tax calculator workflows or fine-tuning output parameters for old vs new tax regime, all data remains isolated in volatile memory with instant feedback.
Step 1: Enter Baseline Inputs
Input your initial values, reference dates, or numerical figures into the primary calculation fields.
Step 2: Configure Variables & Parameters
Adjust time horizons, compounding rates, unit standards, or custom constraints to explore different calculation scenarios.
Step 3: Inspect Real-Time Results
Review the dynamically evaluated metrics, milestone breakdown tables, and computed totals updated instantly on screen.
Step 4: Copy or Reference Data
Copy the formatted output values directly to your clipboard or use the computed figures in your financial or planning workflows.
Calculations adhere to recognized mathematical, actuarial, and financial standards (such as standard amortization, compound interest laws, and calendar date-counts).
Yes. Date and age calculations use exact calendar math, accurately handling leap years, differing month lengths, and time intervals.
No. Your figures, salaries, interest rates, or dates are processed strictly in your browser session and are cleared when you navigate away.
Yes. Because computations are instant and real-time, you can adjust sliders and inputs continuously to test various outcomes with zero delay.
Calculations use double-precision floating-point arithmetic (IEEE 754) with standard rounding to ensure dependable accuracy.
Yes. Summary cards and detailed breakdown tables can be copied directly to your clipboard or printed for documentation.
Yes. Responsive touch inputs and numeric keypads make it seamless to calculate values on phones and tablets.
Yes. Once the page is loaded, all arithmetic and formula evaluations execute locally without internet connectivity.
Default values reflect standard baseline benchmarks, with configurable fields so you can enter your exact local tax bracket or interest rate.
Yes. There are no daily usage limits, sign-up requirements, or hidden fees.
Engineered for high-security, client-side browser execution with zero network transmission.
Client V8 & WASM
Computed in local browser memory with zero upload lag.
0 Bytes Transmitted
No payload uploads, database logs, or external API relays.
Volatile RAM Only
Inputs automatically purged when the page or tab is closed.
Clean & Unwatermarked
Native format downloads and clipboard synchronization.
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This tool processes all inputs locally in your browser. Your files and data are never uploaded to our servers, keeping them 100% private.
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