User Guide
Step 1 — Enter taxable income
- Type your annual income after eligible deductions — not your gross CTC or salary.
Step 2 — Slabs applied for you
- The tool applies the current new-regime slabs band by band, so each rate hits only the income in its band.
Step 3 — Read your estimate
- See the estimated tax, your effective rate and your income after tax.
Step 4 — Plan and compare
- Adjust the figure to test scenarios. Remember it excludes cess/surcharge, and the old regime may differ.
About the Income Tax Calculator
This calculator estimates the income tax payable under India’s new tax regime, which has become the default option for most taxpayers. You enter your annual taxable income and it applies the current slab rates progressively, returning your estimated tax, your effective rate, and your income after tax.
How the new regime slabs work
The new regime taxes income in bands rather than at a single flat rate. Income up to the first threshold is tax-free; the next band is taxed at 5%, the one after at 10%, and so on up to 30% for the highest band. Crucially, each rate applies only to the income that falls within its band, not your whole income. This is why your effective rate, the tax as a percentage of total income, is always lower than your top slab rate. For example, someone in the 20% band does not pay 20% on everything; they pay 0% on the first band, 5% on the next, and so on, with 20% applying only to the portion in that specific band.
What this estimate includes and excludes
The figure shown is slab tax only. It does not add the 4% health and education cess that applies on top of the computed tax, nor any surcharge that applies to very high incomes. It also assumes you are using the new regime, which offers lower rates but removes most deductions and exemptions. If you claim significant deductions such as home loan interest, 80C investments, or HRA, the old regime might produce a lower bill, and you should compare both.
Taxable income, not gross salary
Enter your taxable income, which is your total income after any deductions you are entitled to, not your gross CTC or salary. Getting this number right matters more than anything else, because the tax is calculated entirely from it. Under the new regime the standard deduction still applies to salaried individuals, so account for that before entering your figure.
Why estimate your tax
Knowing your approximate liability through the year helps you plan advance tax payments, avoid a large surprise at filing time, and decide how much to set aside each month. It also helps when comparing job offers, since the take-home difference between two salaries is often smaller than the gross gap once tax is applied.
Important note
This is an estimate for planning, not official tax advice or a substitute for filing. Tax rules change between budgets, and individual situations vary. Confirm your actual liability with a qualified tax professional or the Income Tax Department before making decisions. To plan investments that affect your taxable income, see the PPF Calculator and SIP Calculator. Your income figure is processed only in your browser and never transmitted or stored.
Frequently Asked Questions
Which tax regime does this use?
The Indian new tax regime slabs (zero up to ₹4L, then 5/10/15/20/25/30% on successive bands).
Does this include the standard deduction?
No. Enter your taxable income after any deductions you are claiming.
Does it include cess or surcharge?
No. It estimates slab tax only; 4% health and education cess and any high-income surcharge are not added.
Is this official tax advice?
No. It is an estimate for planning. Confirm with a tax professional or the Income Tax Department.
Where does the calculation run?
In your browser only. Your income figure is never sent anywhere.