Income Tax Calculators (FY 2026-27)
Plan your FY 2026-27 taxes — regime comparison, deductions, TDS and salary, all updated to the latest slabs.
Updated June 2026 · Free · No sign-up
India's income tax has two parallel systems — the old regime with deductions (80C, 80D, HRA, home-loan interest) and the new regime with lower slab rates but almost no deductions. The right choice depends on how much you can claim, so the starting point for most people is the income tax calculator and the old-vs-new regime comparison.
Beyond the headline tax, these tools cover the pieces that decide your actual liability: TDS, surcharge and marginal relief for high incomes, the §87A rebate, capital gains on equity and property, HRA exemption, gratuity, advance-tax instalments, and the conversion of CTC into monthly in-hand salary. All are updated to FY 2026-27 (AY 2027-28) rules.
All Income Tax Calculators
Income Tax Calculator
Calculate income tax for FY 2026-27 under both old and new tax regime. Includes Section 80C/80D deductions, HRA, standard deduction, rebate u/s 87A, and surcharge.
Old vs New Regime Calculator
Compare income tax under old regime (with 80C / 80D / HRA / home loan deductions) vs new regime (FY 2026-27 slabs with ₹12L tax-free threshold, ₹60K rebate u/s 87A). Shows side-by-side tax + which regime saves more for your specific deduction profile.
Take-Home Salary Calculator
Convert your CTC (Cost to Company) into monthly in-hand take-home pay. Computes EPF, gratuity, HRA, professional tax, and income tax deductions under old + new tax regime side-by-side.
HRA Calculator
Calculate House Rent Allowance (HRA) exemption from income tax under Section 10(13A). Computes the least of actual HRA, 50% (metro) or 40% (non-metro) of basic, and rent minus 10% of basic.
Capital Gains Tax Calculator
Calculate Long-Term and Short-Term Capital Gains tax (LTCG / STCG) on equity, debt mutual funds, gold, and real estate. Applies the post-Budget-2024 rules — 12.5% LTCG on equity above ₹1.25L, 20% STCG on equity, slab rate on debt MF.
TDS Calculator
Calculate Tax Deducted at Source (TDS) under Sections 192 (salary), 194A (interest), 194C (contractor), 194H (commission), 194I (rent), and 194J (professional fees). Handles PAN / no-PAN rates and threshold-aware deductions.
Tax Saving (80C) Calculator
Plan your tax-saving investments under Section 80C (₹1.5L cap), 80D (health insurance), 80CCD(1B) (NPS extra ₹50K), 80E (education loan interest), and 24(b) (home loan interest). Shows total tax saved at your slab.
Gratuity Calculator
Calculate gratuity payout on resignation or retirement under the Payment of Gratuity Act 1972. Supports both covered (15/26 formula) and non-covered (15/30 formula) employer types. Shows the ₹20 lakh tax-exempt cap.
Advance Tax Calculator
Calculate quarterly advance tax installments per Section 211 (15% by Jun 15, 45% by Sep 15, 75% by Dec 15, 100% by Mar 15). Shows current shortfall, next due date, and remaining liability across the financial year.
87A Rebate Calculator
Calculate Section 87A tax rebate — full rebate (up to ₹60K) for income up to ₹12L under new regime FY25-26, up to ₹12.5K for ₹5L under old regime. Includes marginal relief calc when income slightly exceeds the threshold.
Surcharge + Marginal Relief Calculator
Calculate income tax surcharge for HNI taxpayers (10% above ₹50L, 15% above ₹1Cr, 25% above ₹2Cr, 37% above ₹5Cr under old regime / max 25% under new regime FY26-27) plus marginal relief that caps tax at excess income above the slab boundary.
234A/B/C Interest Calculator
Calculate penalty interest under Section 234A (late ITR filing), 234B (insufficient advance tax), and 234C (deferred advance tax installments). Each section accrues 1% per month — shows breakdown and total interest owed.
CTC Breakdown Calculator
Break down annual CTC (Cost to Company) into Basic / HRA / LTA / Special Allowance / Bonus / Variable Pay / Employer PF / Gratuity Provision / Insurance. Also supports reverse-salary mode: enter desired in-hand and get required CTC.
ESOP Tax Calculator
Calculate ESOP (Employee Stock Option Plan) tax at TWO points — (1) perquisite tax at exercise on FMV minus strike price, at your salary slab; (2) capital gains tax on sale (LTCG if held > 12 months listed / > 24 months unlisted, else STCG slab rate).
Crypto Tax Calculator
Calculate tax on cryptocurrency / Virtual Digital Asset (VDA) gains per Section 115BBH — flat 30% + 4% cess, no loss set-off, no indexation. Also includes Section 194S 1% TDS on transfers above ₹50,000 (₹10,000 for specified persons).
TCS Foreign Remittance Calculator
Calculate Tax Collected at Source (TCS) on outbound foreign remittances under the Liberalised Remittance Scheme (LRS). Applies 20% TCS above the ₹10 lakh annual threshold, 2% for education/medical (post-Budget-2026), and 5% for education funded by loan.
Frequently asked questions
Should I choose the old or new tax regime for FY 2026-27?
The new regime wins if you have few deductions, thanks to lower slab rates and a ₹60,000 §87A rebate up to ₹12L taxable. The old regime wins if your 80C, 80D, HRA and home-loan-interest claims are large. Use the old-vs-new comparison to see your exact numbers.
What is the income tax slab for FY 2026-27?
Under the new regime: nil up to ₹4L, 5% to ₹8L, 10% to ₹12L, 15% to ₹16L, 20% to ₹20L, 25% to ₹24L and 30% above. A 4% health & education cess applies on the tax. The old regime keeps 5%/20%/30% slabs with deductions.
How is take-home salary calculated from CTC?
From your CTC, subtract the employer's EPF and gratuity to get gross pay, then subtract employee EPF, professional tax and income tax to get the in-hand figure. The take-home salary calculator does this for both regimes side by side.
When is advance tax due?
If your tax liability after TDS exceeds ₹10,000 in a year, advance tax is due in four instalments — 15% by 15 Jun, 45% by 15 Sep, 75% by 15 Dec and 100% by 15 Mar. Shortfalls attract §234B/§234C interest.
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