Punch in your CTC. We split it into the structure most Indian payrolls use, run both old and new regimes through FY 2025-26 slabs (with cess and 87A rebate), and tell you which one keeps more in your bank.
Inputs
Annual CTC
₹15,00,000
For HRA exemption (old regime)
Old-regime deductions
Cap ₹1,50,000
Cap ₹25,000 (self + family)
Cap ₹50,000
saves ₹23,656 / yr
Monthly take-home
₹1,10,850
Annual gross
₹14,42,325
Annual tax
₹88,128
Annual in-hand
₹13,30,197
CTC structure (annual)
Basic salary (50% of CTC)
₹7,50,000
₹62,500 / mo
HRA (50% of basic)
₹3,75,000
₹31,250 / mo
Special allowance
₹3,17,325
₹26,444 / mo
— Gross salary —
₹14,42,325
₹1,20,194 / mo
Employer EPF (12% of basic, capped)
Not in your hand — to your PF account
₹21,600
Gratuity provision
Vests after 5 years of service
₹36,075
Employee EPF deduction
₹-21,600
Professional tax
₹-2,400
Income tax (best regime)
₹-88,128
— Annual in-hand —
₹13,30,197
₹1,10,850 / mo
Disclaimer.Estimates use FY 2025-26 slabs, 4% cess, and the standard CTC structure (Basic 50% + HRA + Special). Actual take-home depends on your employer’s exact components, LTA, food / fuel allowances, and ESOP perquisites. Use an ITR-filing CA before financial decisions.
File your ITR with a CA, not a chatbot.
We pick the cheaper regime, claim every deduction, reconcile against 26AS / AIS / TIS, and follow up on your refund. ₹999 for salaried. Capital gains and crypto: ₹1,999.