India Take-Home Salary Calculator

The New Regime (the default since FY 2023-24) uses lower slab rates across seven bands from nil to 30%, a Rs 75,000 standard deduction, and a Section 87A rebate that makes tax nil up to Rs 12,00,000 of taxable income, but it disallows most Chapter VI-A deductions like Section 80C, 80D, and HRA exemption. The Old Regime uses higher slab rates (up to 30% above Rs 10,00,000) and a smaller Rs 50,000 standard deduction and Rs 12,500 rebate cap (nil tax only up to Rs 5,00,000), but lets you claim those deductions. With Rs 0 deductions, the New Regime wins at every income level; the Old Regime only overtakes it once your real 80C/HRA/other claims are large enough.

It's a rebate against tax payable, not a tax-free income band. Under the New Regime, if your taxable income is Rs 12,00,000 or less, you get a rebate of up to Rs 60,000, which exactly cancels the tax the slabs would otherwise charge on that income, so your net tax is nil. Cross Rs 12,00,000 and the rebate doesn't vanish all at once: a marginal relief provision caps your tax at the amount by which your income exceeds Rs 12,00,000, so a small raise never costs you more in tax than the raise itself. That marginal relief window closes once slab tax alone exceeds the income excess, around Rs 12,70,588 of taxable income for FY 2026-27.

A flat 4% surcharge on your income tax plus any applicable surcharge, added on top, not a separate slab. It funds health and education spending and applies identically under both regimes, so it doesn't change the New vs Old Regime comparison, only the final total.

Surcharge is an additional percentage on your income tax once your taxable income crosses certain thresholds: 10% above Rs 50,00,000, 15% above Rs 1,00,00,000 (Rs 1 crore), and 25% above Rs 2,00,00,000 (Rs 2 crore). The New Regime caps surcharge at 25% no matter how high your income goes; the Old Regime adds a further 37% tier above Rs 5,00,00,000 (Rs 5 crore), which the New Regime abolished. Most tech salaries never reach the 50L threshold, so surcharge is typically a non-issue below senior/leadership compensation.

There's nothing to account for: India has no state income tax on salaries, unlike the US or Canada. Every rupee of income tax you pay goes to the central government under the Income Tax Act, so this calculator's national-only scope covers the complete income tax picture regardless of which state or city you work in.

This calculator computes income tax only, on your gross fixed salary. Real payslips also deduct EPF (Employees' Provident Fund, typically 12% of basic pay, split between employee and employer contributions), and a small state-level professional tax (often Rs 200-2,500/year depending on the state). Neither is income tax, so neither is modeled here — see our CTC vs in-hand salary guide for how a full Indian tech offer letter breaks down from CTC to what actually lands in your bank account.

For most salaried employees without large 80C/HRA claims, yes, the New Regime nets more take-home at every income level this calculator covers. It's worth switching to the Old Regime comparison only if you have substantial verified deductions (a full Section 80C investment, meaningful home loan interest, high actual HRA exemption from expensive rent in a metro), in which case the crossover can favor the Old Regime. Run both regimes on your exact numbers below rather than assuming either one.