Income Tax Calculator
Estimate liability under either regime, with slab-by-slab working, surcharge, rebate and cess shown.
Tools & Calculators
Tax Regime Comparison
Both regimes computed side by side on the same figures, so the difference is explicit.
Rates pending verification
The slab rates, rebate thresholds and surcharge bands used by this calculator are held in content/tax-rates.json and have not yet been verified by the firm against the current legislation. Treat every result as illustrative only until that review is complete.
Read this before acting on it
The comparison is only as good as the deduction figures you enter, and it covers salary and other income for a resident individual. The right answer can change year to year as a home loan is repaid, a policy lapses or a salary structure is revised. Recheck it annually rather than carrying a previous decision forward.
Indicative only
These calculators produce indicative results based only on the figures you enter and the assumptions stated on each page. They are not professional advice and must not be relied on for filing, planning or any other purpose. Tax law changes frequently. Please speak to us about your specific circumstances.
Questions
About this calculator
It is the total deduction figure at which both regimes produce the same liability. Below it the concessional regime generally wins; above it the deduction-based regime does. The tool shows this figure for your income once you enter it.
Only if you enter the exempt amount in the HRA field. Work that figure out with the HRA calculator first, since it depends on your rent, salary and city.
More tools
Other calculators
Capital Gains Calculator
Holding period, indexed or actual gain and indicative tax, by asset class.
EMI Calculator
Monthly instalment, total interest and a full year-by-year amortisation schedule.