What you actually take home.

The working

How we get to the number

Encoded for tax year 2026-27 — the Income-tax Act, 2025 works in tax years, and the erstwhile assessment year 2027-28 is the vocabulary of the Act it replaced. Salary income only — capital gains, house-property and business income are not modelled.

• Professional tax is worked out, not asked for. Pick your state and we apply its slab: 19 published so far, plus 16 states and union territories confirmed as not levying it. It is not a flat monthly figure either — Karnataka and Maharashtra charge ₹300 in February against ₹200 in every other month; Manipur charges ₹212 in March against ₹208 in every other month, so that the year lands exactly on the ₹2,500 the Constitution allows and not a rupee over. Where we have not read the statute, we say so instead of showing a made-up number — and you can enter your own.
• Basic + DA sits at the Labour Code floor. Calculators written before 21 November 2025 still assume a 25-35% basic, which understates EPF and gratuity and overstates your take-home.
• The old-regime comparison claims only what you tell it. The deduction boxes are the old regime’s alone, and two of them decide the comparison for most salaried people: the investments basket, capped at ₹1,50,000 under section 123, and health-insurance premium under section 126, where your own cover and your parents’ carry two separate limits rather than one shared ceiling. Every one of them is reduced to its statutory cap rather than taken as typed, so a figure entered too high does not quietly make the old regime look better than it is.
• Every figure is dated and sourced. The statute behind each derived row is printed beside it, and the verification date in the panel is rendered from the dataset itself, so it cannot drift from reality.

Questions

Questions people actually ask

Why is professional tax worked out here and typed in everywhere else?

Professional tax is a state levy with published slabs, so it is something a calculator should know. Maharashtra and Karnataka both charge ₹200 a month and ₹300 in February — Karnataka only since Act 33 of 2025, which took the year from ₹2,400 to ₹2,500. Bihar and Jharkhand band on annual income; Kerala, Tamil Nadu and Puducherry on half-yearly income collected by the local body. 16 of 36 states and union territories do not levy it at all, and that list changed this year: Odisha repealed its Act with effect from 1 April 2026, while Punjab does levy — its State Development Tax, ₹200 a month on income-tax payers, falls out of most published tables because of the name. You can still overrule our figure — the row has an edit toggle.

What is the 50% basic rule and why does it change my take-home?

The Code on Wages, 2019 came into force on 21 November 2025. It defines wages so that the excluded components — HRA, conveyance, bonus and the rest — cannot exceed half of your total remuneration. In practice basic plus DA has to be at least 50%. Because EPF and gratuity are computed on basic, a higher basic means a larger provident-fund deduction and a slightly lower in-hand figure than an older calculator would show.

Which slabs does this use for FY 2026-27?

The new regime for FY 2026-27: nil up to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above that, with a ₹75,000 standard deduction, the section 156 rebate (the erstwhile section 87A) up to ₹12 lakh of taxable income and 4% health and education cess. The Union Budget 2026 left all of these unchanged.

Should I pick the old regime or the new one?

The comparison inside the result panel answers it for your own numbers, and the old vs new regime advisor at /calculators/regime-advisor/ goes further: it computes the crossover, the total of deductions at which the old regime starts costing less at your income. The old regime only wins when your deductions are large relative to your salary — typically a full section 123 (the erstwhile 80C) claim, health insurance, home-loan interest and a real HRA exemption together. At most salary levels with modest deductions, the new regime leaves you with more.

Is the number exact?

It is exact for salary income under the rules we publish on the methodology page. It does not model capital gains, house-property or business income, employer retirals above the ₹7.5 lakh aggregate perquisite threshold, or state professional-tax schedules we have not yet verified — where we say so on the page rather than guessing.

Does my salary get sent anywhere?

No. The whole computation runs in your browser and there is no server to send it to. The page is counted by a cookieless Cloudflare beacon that reports the URL and how fast the page rendered — and your figures are never in the URL, because the share button puts them after the "#", which browsers never send to a server at all. /privacy/ describes exactly what that beacon carries.

On the bench

What’s next

• Old vs new regime advisor — Which regime pays less on your deductions, and the crossover point at your income.
• 1961 to 2025 section mapper — Where the section you know went. 80C is now s.123.
• HRA exemption by city — Metro and non-metro treated properly, per city.
• Gratuity, EPF and NPS — Post-Labour-Code formulas, with the wage definition spelled out.