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Old vs new regime, HRA, take-home pay and tax on gains.
| Calculator | Result |
|---|---|
| Salary in-hand · In-hand per month | ₹96,200 |
| HRA exemption · HRA exempt | ₹2,40,000 |
| Income tax: old vs new · New regime costs less by | ₹30,420 |
| Capital gains (equity) · LTCG tax | ₹0 |
HRA exemption → Income tax: old vs new (HRA exemption ₹ (old regime)) ⛓ chained: the first result fills the second input until you edit it.
PF at 12% of basic, capped at ₹15,000 basic a month. New-regime tax, FY2025-26 slabs. The full salary page also splits HRA and gratuity.
Exempt = the least of the three. Old regime only.
FY2025-26 (AY2026-27) slabs, standard deduction, 87A rebate, surcharge and 4% cess, as in the full income-tax calculator. Verify on incometax.gov.in before filing.
Listed equity with STT paid, the same rates as the full capital-gains calculator. Cess and surcharge not added.
Calculators and illustrations, not investment advice or a guarantee. Returns and rates are your assumptions; results are ranges to plan with, not promises. Income tax uses FY2025-26 (AY2026-27) rules as summarised; check with a tax professional for your case.