Salary Slip Tax Calculator — Old vs New Regime | DevPouch
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🇮🇳 India — FY 2025–26 (AY 2026–27) (US, UK & CA regimes coming soon)Upload your monthly salary slip to extract earnings, compute HRA exemptions and deductions, and instantly compare Old vs New Tax Regimes. 100% client-side privacy.
Payslip & Deductions
Upload 1 month's Indian salary slip or enter numbers manually
Drop monthly payslip (PDF) here or browse
Supports standard Indian salary slip formats (Keka, GreytHR, RazorpayX, TCS, Infosys, etc.)
Basic component of your salary
House Rent Allowance from employer
Special allowance, conveyance, etc.
Your PF contribution (12% of Basic typically)
State-specific professional tax
Deductions & Exemptions (Annual)
For HRA exemption calculation
EPF, PPF, ELSS, Life Insurance — max ₹1.5L
Self, family, parents
Additional NPS contribution — max ₹50,000
Self-occupied property — max ₹2,00,000
Tax Regime Comparison
| Metric | Old Regime | New Regime |
|---|---|---|
| Gross Annual Salary | ₹0 | ₹0 |
| Standard Deduction | ₹50,000 | ₹75,000 |
| HRA & Professional Tax Exemption | ₹0 | ₹0 |
| Total Chapter VI-A Deductions | ₹0 | ₹0 |
| Net Taxable Income | ₹0 | ₹0 |
| Computed Income Tax | ₹0 | ₹0 |
| Health & Education Cess (4%) | ₹0 | ₹0 |
| Total Annual Tax Payable | ₹0 | ₹0 |
Enter your salary details and click Calculate Tax Regimes to see the comparison.
How to calculate your optimal tax regime
- Upload or enter data. Upload a monthly salary slip (PDF) or manually enter your Basic, HRA, Special Allowances, PF, and Professional Tax.
- Add deductions. Enter your annual rent paid, city type (Metro/Non-Metro), and all Chapter VI-A deductions (80C, 80D, 80CCD(1B), 24b).
- Calculate. Click Calculate Tax Regimes to instantly compare Old vs New regime tax liability.
- Review recommendation. The tool highlights which regime saves you more money and shows the break-even deduction threshold.
- Copy or download. Use Copy Summary for quick sharing or Download .txt Breakdown for detailed records.
Note: Calculations follow FY 2025–26 (AY 2026–27) tax slabs. All processing happens locally in your browser.
Income Tax Slabs FY 2025–26 (AY 2026–27)
New Tax Regime (Default)
| Annual Income | Tax Rate |
|---|---|
| Up to ₹3,00,000 | Nil |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
Standard Deduction: ₹75,000 | Rebate u/s 87A: ₹25,000 (income ≤ ₹7L)
Old Tax Regime
| Annual Income | Tax Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard Deduction: ₹50,000 | Rebate u/s 87A: ₹12,500 (income ≤ ₹5L) | Allows HRA, 80C, 80D, 24b, etc.
Frequently Asked Questions
- No. The PDF is parsed entirely in your browser using PDF.js. Your salary data never leaves your device.
- FY 2025–26 (Assessment Year 2026–27), incorporating latest budget changes to the New Tax Regime slabs and standard deduction.
- You can always enter the numbers manually. The tool works perfectly with manual input for all earning and deduction fields.
- Yes. Surcharge rates (10%/15%/25%/37%) are applied automatically for taxable income above ₹50L/₹1Cr/₹2Cr/₹5Cr respectively, under both regimes.
- HRA exemption is the minimum of three amounts: (1) Actual HRA received from employer, (2) Rent paid minus 10% of Basic Salary, (3) 50% of Basic Salary for Metro cities (Delhi, Mumbai, Kolkata, Chennai) or 40% for Non-Metro cities. The calculator automatically applies this formula using your monthly rent, basic salary, and city type.
- The New Regime offers a higher standard deduction (₹75,000 vs ₹50,000) and lower slab rates. Unless your total deductions (80C + 80D + 80CCD(1B) + 24b + HRA + Professional Tax) exceed the break-even threshold (typically ₹3.75L+), the New Regime often results in lower tax. The tool shows your exact break-even point.
- Absolutely not. All processing — including PDF parsing via PDF.js, salary extraction, and tax calculations — happens 100% in your browser. No data is uploaded to DevPouch or any third-party server. Your privacy is guaranteed.
- Under the New Tax Regime, the Section 87A rebate is ₹25,000 for taxable income up to ₹7,00,000 (making income up to ₹7L effectively tax-free). Under the Old Regime, the rebate is ₹12,500 for taxable income up to ₹5,00,000.
- Yes. For salaried individuals with income from salary, house property, and other sources (no business income), you can choose between Old and New Tax Regimes every financial year when filing your income tax return (ITR).
Understanding HRA Exemption (Section 10(13A))
House Rent Allowance (HRA) is a tax-free component of your salary, provided you pay rent. The exemption is calculated as the minimum of three amounts under Section 10(13A) of the Income Tax Act:
- Actual HRA received from your employer (monthly HRA × 12)
- Rent paid minus 10% of Basic Salary (Annual Rent − 10% of Annual Basic)
- 50% of Basic Salary (Metro: Delhi, Mumbai, Kolkata, Chennai) OR 40% of Basic Salary (Non-Metro)
How the Calculator Applies This
- You enter your monthly HRA, monthly rent paid, and select Metro/Non-Metro.
- The tool annualizes the values and computes all three conditions.
- The minimum of the three is your tax-free HRA exemption (Old Regime only).
- In the New Regime, HRA exemption is not available — this is a key trade-off.
Example
Monthly Basic: ₹50,000 | Monthly HRA: ₹20,000 | Monthly Rent: ₹18,000 | City: Metro (Delhi)
- Actual HRA received: ₹20,000 × 12 = ₹2,40,000
- Rent − 10% Basic: (₹18,000 × 12) − 10% of (₹50,000 × 12) = ₹2,16,000 − ₹60,000 = ₹1,56,000
- 50% of Basic: 50% of (₹50,000 × 12) = ₹3,00,000
Exemption = ₹1,56,000 (minimum of the three). Taxable HRA = ₹2,40,000 − ₹1,56,000 = ₹84,000.
Deductions Comparison: Old vs New Regime (FY 2025–26)
The table below summarizes which deductions are available in each regime. The New Regime trades most deductions for lower slab rates and a higher standard deduction.
| Deduction / Benefit | Old Regime | New Regime |
|---|---|---|
| Standard Deduction | ₹50,000 | ₹75,000 |
| HRA Exemption (Section 10(13A)) | ✅ Available (min of 3 conditions) | ❌ Not available |
| Professional Tax (State) | ✅ Fully deductible | ❌ Not available |
| Section 80C (EPF, PPF, ELSS, Life Insurance, etc.) | Up to ₹1,50,000 | ❌ Not available |
| Section 80D (Health Insurance) | Up to ₹25,000 (self/family) + ₹25,000/₹50,000 (parents) | ❌ Not available |
| Section 80CCD(1B) (NPS Additional) | Up to ₹50,000 | ❌ Not available |
| Section 24(b) (Home Loan Interest — Self-occupied) | Up to ₹2,00,000 | ❌ Not available |
| Section 87A Rebate | ₹12,500 (income ≤ ₹5L) | ₹25,000 (income ≤ ₹7L) |
| Tax Slabs | ₹2.5L/₹5L/₹10L (5%/20%/30%) | ₹3L/₹7L/₹10L/₹12L/₹15L (5%/10%/15%/20%/30%) |
| Surcharge | 10%/15%/25%/37% (>₹50L/₹1Cr/₹2Cr/₹5Cr) | Same as Old Regime |
| Health & Education Cess | 4% on income tax + surcharge | 4% on income tax + surcharge |
Key Insight: If your total Chapter VI-A deductions + HRA + Professional Tax exceed ~₹3,75,000, the Old Regime may be better. The calculator computes your exact break-even point.
Practical Use Cases
📋 Annual Tax Declarations
Decide between Old vs New Regime at the start of the financial year for payroll TDS. Submit your declaration to HR with confidence — the tool shows exactly which regime minimizes your tax liability.
🔄 Job Changes & Multiple Form 16s
Switched jobs mid-year? Combine earnings from multiple employers. The calculator handles total annual income across Form 16s and computes the optimal regime for your combined liability.
🏠 Maximizing Rent Deductions
Paying high rent in a metro city? Check if the Old Regime's HRA exemption + 80C + 80D outweighs the New Regime's lower rates. The break-even analysis tells you exactly how much deductions you need.
📊 Year-End Tax Planning
Before March 31, verify if topping up 80C (PPF/ELSS), 80D (health insurance), or NPS (80CCD(1B)) tips the scale in favor of the Old Regime. The tool gives instant feedback on every rupee invested.