Income Tax Calculator for Salaried Employees

Calculate tax with HRA, 80C, and all deductions

Compare old vs new tax regime for FY 2025-26

Get monthly take-home salary breakdown

🔒 Privacy: All calculations are performed locally in your browser.

Basic Details

Employment Type

Age Category

Salary Components (Annual amounts)

Basic Salary (Annual)

₹

DA (Dearness Allowance) (Annual)ⓘ

₹

HRA (House Rent Allowance) (Annual)

₹

LTA (Leave Travel Allowance) (Annual)

₹

Special Allowances (Annual)

₹

Bonus/Incentives (Annual)

₹

Employer PF Contribution (Annual)

₹

Professional Tax (Annual)

₹

Total: ₹0

PF Contribution Options (VPF)

Choose how much to contribute to your Provident Fund

Standard (Wage Ceiling)

PF capped at 12% of ₹15,000/month = ₹1,800/month max

Default

Full Basic + DA

12% of entire Basic + DA (no ceiling)

Custom VPF Amount

Standard PF + additional voluntary contribution

Flexible

Monthly Employee PF

₹0

Annual Employee PF

₹0

Statutory PF (12% of ₹0)₹0/mo

Interest Rate (FY 2025-26)8.25% p.a.

Tax Benefit: VPF contributions qualify for Section 80C deduction (up to ₹1.5L combined limit). Only available under Old Tax Regime.

Enter your income details to see tax calculation

What is Income Tax for Salaried Employees?

Salaried employees in India pay income tax based on their total compensation after claiming various exemptions and deductions. The key components include HRA exemption for rented accommodation, standard deduction, and investments under sections 80C, 80D, and others. Our calculator helps you find the most tax-efficient way to structure your salary.

How to Minimize Your Tax Liability

Maximize 80C

Invest ₹1.5 lakh in PPF, ELSS, EPF, or insurance

Claim HRA

Submit rent receipts to claim HRA exemption

Health Insurance

Claim 80D deduction up to ₹75,000 for family coverage

NPS Investment

Additional ₹50,000 deduction under 80CCD(1B)

Compare Regimes

Use our calculator to find your best option

Why Use Our Calculator?

Built-in HRA Calculator

Automatic HRA exemption calculation

All Deductions

80C, 80D, 80CCD, home loan interest included

Regime Comparison

Side-by-side old vs new regime analysis

Monthly Breakdown

See exact monthly take-home after all deductions

Frequently Asked Questions

For salaried employees, income tax is calculated on total income after deducting HRA exemption, standard deduction, and investments under 80C, 80D, and other sections. Our calculator automatically computes this and compares old vs new regime.

Salaried employees can claim HRA exemption, standard deduction (₹50,000 old / ₹75,000 new regime), 80C investments up to ₹1.5 lakh, 80D health insurance, NPS contribution (80CCD), and LTA under old regime.

It depends on your deductions. If you claim less than ₹3-4 lakh in deductions, the new regime may be beneficial. Our calculator shows a side-by-side comparison to help you decide.

HRA exemption is the minimum of: actual HRA received, rent paid minus 10% of basic salary, or 50% of basic (metro) / 40% (non-metro). Use our calculator's built-in HRA calculator.