TabSalary calculator guide
How salary income tax works
Your gross salary — basic, DA, HRA and TA are all fully taxable under both regimes — less a standard deduction of ₹75,000 (new) or ₹50,000 (old), plus eligible deductions, forms taxable income. The new regime applies lower slabs with almost no deductions and a generous rebate up to ₹12 lakh taxable; the old regime keeps 80C, HRA and friends at higher slab rates. Salaried taxpayers pick a regime each year, so comparing both is the only reliable way to know which leaves more in hand.
Independently built and maintained · Published August 23, 2026 · Last reviewed August 26, 2026
How the calculation works
taxable = gross − std deduction − (old regime: NPS 10% of basic+DA + deductions); tax = Σ slab rates − rebate; + surcharge with marginal relief + 4% cess
- Enter level, stage and city so gross pay is assembled exactly like the salary calculator.
- Check NPS employee contribution — 10% of basic plus DA by default.
- If you file under the old regime, add total deductions (80C, HRA exemption and similar).
- Read both regimes side by side: the highlighted one costs you less tax.
Worked example
A Level 7 stage-1 employee in a Y-class, non-TPTA city draws ₹9,91,440 gross a year at today's DA of 60 percent. After the ₹75,000 standard deduction, new-regime taxable lands at ₹9,16,440 — inside the ₹12-lakh rebate zone, so tax due is nil. Under the old regime, the ₹86,208 NPS employee share (10% of basic plus DA) and the ₹50,000 standard deduction still leave about ₹8,55,000 taxable and roughly ₹87,000 of tax before any 80C or HRA claims.
What this estimate does not include
- Surcharge marginal relief smooths the jumps at ₹50 lakh, ₹1 crore, ₹2 crore and the old regime's ₹5 crore band; extreme incomes should still be verified with a CA.
- Old-regime HRA exemption depends on rent paid and city; enter only the exempt amount you can claim as deductions.
- Professional tax, CGHS and other small statutory deductions are not modelled separately.
Use the result as a planning estimate, not as personalized financial, tax, legal, or investment advice.
Source ledger
Primary references- Income Tax Department — slab rates and rebate u/s 87A.
- Legislative Department, Ministry of Law and Justice — Finance Acts.
- DoE, Ministry of Finance — 7th CPC pay components feeding gross salary.
Rates and rules are checked against the primary source before publication and re-checked whenever the source changes. External links open in a new tab; calculator inputs never leave your browser.