Complete calculator with automatic PF/VPF, HRA, 80C optimizer & smart recommendations
Choose Old Regime
You save ₹50,000 in taxes
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Calculate mutual fund SIP returns with goal-based planning
Monthly-accurate PPF maturity calculator
Coming Soon - Home loan & car loan EMI calculator
Coming Soon - Retirement corpus planner
Coming Soon - Calculate gratuity amount
Coming Soon - Dedicated HRA exemption calculator
| Income Range | Tax Rate |
|---|---|
| Up to ₹2.5L | Nil |
| ₹2.5L - ₹5L | 5% |
| ₹5L - ₹10L | 20% |
| Above ₹10L | 30% |
| Income Range | Tax Rate |
|---|---|
| Up to ₹3L | Nil |
| ₹3L - ₹7L | 5% |
| ₹7L - ₹10L | 10% |
| ₹10L - ₹12L | 15% |
| ₹12L - ₹15L | 20% |
| Above ₹15L | 30% |
Choose Old Regime if you have significant deductions (80C, HRA, home loan). Choose New Regime if you have minimal deductions and want simplicity.
Section 80C allows tax deductions up to ₹1.5L for investments in PPF, ELSS, EPF/VPF, life insurance, home loan principal, etc. Employee PF is automatically included in 80C.
HRA exemption = Minimum of: (1) Actual HRA received, (2) Rent paid - 10% of Basic, (3) 50% of Basic (metro) or 40% (non-metro)
VPF (Voluntary PF) allows you to contribute more than 12%. Important: If total PF (Employee + Employer + VPF) exceeds ₹5L per year, interest on the excess is taxable.