What's your real take-home, and which regime wins?
Understand your take-home across tax regimes and find the optimal choice for your specific deduction profile.
Tools in this cluster
Take-home Salary Calculator
Estimate your monthly take-home using current Indian tax assumptions, with old-vs-new regime context built in.
Tax Regime Comparison Calculator
Compare India's old and new tax regimes to see which one leaves more take-home income under your deduction profile.
CTC to In-Hand Salary Calculator
Convert your CTC into monthly and annual take-home salary under both old and new tax regimes.
HRA Exemption Calculator
Calculate the HRA exemption under the old tax regime using the classic three-limb rule.
Gratuity Calculator
Calculate the gratuity you're owed at separation under the Payment of Gratuity Act, with tax exemption included.
Comparison pages
How to use this cluster
India's tax regime choice is one of the few decisions you make every year that directly changes your cash flow. These tools use AY 2026-27 slab assumptions and compare the old and new regimes under your specific deduction stack. Re-check the choice whenever salary, HRA, or home-loan interest moves meaningfully.
Frequently asked
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
When does the old regime still win?
When HRA, 80C, 80D, and home-loan interest deductions together push the old-regime taxable income well below the new-regime taxable income. Typically requires a high salary and real rent-paying in a metro.
Can I switch regimes every year?
Salaried taxpayers can switch each year. Business income has tighter rules. Verify before filing.
Does this account for surcharge?
No — surcharge and special-rate income are excluded for clarity. Verify with a CA when gross income exceeds ₹50L.