Income Tax Calculator (India)
This income tax calculator estimates your actual India income tax liability, letting you model real Section 80C, 80D and HRA deductions under the old regime rather than just toggling between regimes on gross income alone. Enter your gross annual income, pick a regime, and — if you're on the old regime — your specific deduction amounts to see your taxable income, tax and effective rate.
Your total annual income before any deductions or exemptions.
The new regime has lower rates and a bigger standard deduction, but no 80C/80D/HRA exemptions.
EPF, PPF, ELSS, life insurance premiums and other eligible investments. Only applies under the old regime, capped at ₹1,50,000.
Premiums paid for health insurance. Only applies under the old regime — this calculator uses a simplified ₹75,000 combined cap; see the FAQ for how real rules vary by age.
Only applies under the old regime. Use RupeeHunt's HRA Exemption Calculator first to work out this figure precisely, then enter it here.
Income tax + cess
सेव करने के लिए लॉग इन करें₹0
80C + 80D + HRA — always ₹0 under the new regime, which doesn't allow these deductions.
Frequently asked questions
Why does total deductions show ₹0 when I select the new regime?+
This isn't a bug — the new tax regime genuinely disallows Section 80C, 80D and HRA exemptions by law, in exchange for lower slab rates and a larger standard deduction. Your entered amounts are only applied when you select the old regime.
When does the old regime actually work out better than the new regime?+
Typically when your total deductions are large — a full ₹1,50,000 in 80C, a meaningful HRA exemption, and significant home loan interest (not modeled in this calculator) can together outweigh the new regime's lower rates. As a rough guide, if your combined eligible deductions comfortably exceed roughly ₹4–5 lakh, it's worth comparing both regimes carefully before you commit for the year.
Is the Section 80D cap really a flat ₹75,000?+
No — this calculator uses a simplified combined cap for self and parents. The real Section 80D limits are age-based: typically up to ₹25,000 for self/family (under 60) plus up to ₹50,000 for senior-citizen parents, or higher combined limits if you or your parents are senior citizens. Check current CBDT guidance for the exact limits that apply to your household.
Related calculators
Related articles
Hourly Wage Inflation Calculator: Is Your Paykeeping Up?
Payroll & Salary
Net Payroll Calculator: How to Figure Out Take-Home Pay Without the Headache
Payroll & Salary
Bonus and Salary Tax Calculator: How Bonuses Are Actually Taxed
Payroll & Salary
The Indeed Salary Estimator: How to Read Your Worth Before You Accept the Job
Payroll & Salary