🟢
New Regime saves you more— ₹1,02,505 more per year (₹8,542/month)
📑New Regime Breakdown
Gross Salary₹11,55,312
└− Standard Deduction₹75,000
= Taxable Income₹10,80,312
Income Tax (Slab)₹0
└Health & Ed. Cess (4%)₹0
Total Tax₹0
Employee PF (12%)₹21,600
Professional Tax₹2,400
Annual Take-Home
₹11,31,312
₹94,276 / month
📑Old Regime Breakdown
Gross Salary₹11,55,312
└− Standard Deduction₹50,000
└− 80C/D/NPS/Other₹1,75,000
= Taxable Income₹9,30,312
Income Tax (Slab)₹98,562
└Health & Ed. Cess (4%)₹3,942
Total Tax₹1,02,505
Employee PF (12%)₹21,600
Professional Tax₹2,400
Annual Take-Home
₹10,28,807
₹85,734 / month
📊Gross Salary Composition
Basic
₹40,000
/month
₹4.80L/yr
HRA
₹20,000
/month
₹2.40L/yr
Special Allow.
₹36,276
/month
₹4.35L/yr
Employer PF
₹1,800
/month
₹21.6K/yr
Gratuity
₹1,924
/month
₹23.1K/yr
Gross Salary
₹96,276
/month
₹11.55L/yr
⚖️Tax Regime Comparison
| Component | New Regime | Old Regime |
|---|---|---|
| Gross Salary | ₹11,55,312 | ₹11,55,312 |
| Standard Deduction | ₹-75,000 | ₹-50,000 |
| HRA Exemption | ₹0 | ₹-0 |
| 80C / 80D / NPS / Other | ₹0 | ₹-1,75,000 |
| Taxable Income | ₹10,80,312 | ₹9,30,312 |
| Income Tax (Slab) | ₹0 | ₹98,562 |
| Surcharge | ₹0 | ₹0 |
| Health & Ed. Cess (4%) | ₹0 | ₹3,942 |
| Total Income Tax | ₹0 | ₹1,02,505 |
| Employee PF | ₹21,600 | ₹21,600 |
| Professional Tax | ₹2,400 | ₹2,400 |
| Net Annual Take-Home | ₹11,31,312 | ₹10,28,807 |
| Net Monthly Take-Home | ₹94,276 | ₹85,734 |
| Effective Tax Rate | 0.0% | 8.9% |
Disclaimer: This calculator provides estimates based on standard salary structures and FY 2025-26 tax rules. Actual take-home may vary based on your exact salary structure, employer policies, and specific deduction eligibility. Consult a CA for personalised tax advice.