Reviewed by Artha Research·Last updated 8 April 2026
Take-home Salary Calculator
Estimate your monthly take-home using current Indian tax assumptions, with old-vs-new regime context built in.
Inputs
This compares old and new regime outcomes using AY 2026-27 slab assumptions.
Monthly take-home (new regime)
₹1,47,333
New regime wins
The lower slab rates and higher standard deduction beat your current deduction stack.
Don't force deductions just to chase the old regime unless they fit your wider plan.
Gross income
₹19.5L
Old regime tax
₹2.9L
New regime tax
₹1.8L
Annual difference
₹1,05,040
Tax savings the winning regime delivers each year.
Take-home (old)
₹1,38,580
Take-home (new)
₹1,47,333
Benchmarks
Old regime vs new regime
+5.4%You
₹1.5L
Benchmark
₹1.4L
The new regime wins by simplicity
Lower slab rates and the larger standard deduction beat your current deduction stack.
Annual saving vs old
₹1,05,040
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
What loan can this take-home actually carry?
Translate the post-tax monthly figure into a safe home-loan budget.
Walk through the old-vs-new regime comparison
See the slab-by-slab breakdown that produced the verdict above.
Could this take-home fund early retirement?
Run the FIRE calculator with your post-tax cash flow as the contribution.
At a glance
- What it does
- Computes your annual and monthly take-home under both old and new tax regimes using AY 2026-27 slab rates, and declares the better regime.
- AY 2026-27 slabs
- New regime: 0-4L free, 4-8L at 5%, 8-12L at 10%, 12-16L at 15%, 16-20L at 20%, 20-24L at 25%, 24L+ at 30%. Standard deduction ₹75k.
- Typical output
- On ₹24L annual salary with ₹1.5L 80C + ₹25k 80D + ₹1.8L HRA, the new regime leaves ~₹1.68L more take-home vs old.
- Best used for
- Deciding which tax regime to pick at the start of each financial year, and checking take-home after a salary change.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Gross income = salary + bonus + other taxable income.
- Old regime taxable income subtracts standard deduction and eligible deductions you enter.
- New regime taxable income subtracts the current salaried standard deduction and applies published slab rates.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- This calculator uses AY 2026-27 personal slab assumptions published in official Budget 2025 documents and Income Tax Department summaries.
- Surcharge, special-rate income, and employer-side salary structuring nuances are excluded.
- Users should verify final filing positions with current law and a tax professional.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why might the old regime still win?
If you claim meaningful deductions like 80C, 80D, HRA exemption, and home-loan interest, the old regime can still produce a lower tax bill.
Why might the new regime win?
The new regime has lower slab rates and a larger standard deduction for salaried taxpayers, which often beats the old regime when deductions are limited.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
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