🇮🇳 India tax and finance calculators
The big five.
All India tax & salary tools
Tax brackets, retirement, payroll, and credits that follow CBDT rules. Universal calculators (loans, health, sport, conversions) are below.
🇮🇳India Tax & Salary Tools
🇮🇳 India state calculators
Stamp duty, salary, and tax calculators for Indian states - Maharashtra, Karnataka, Tamil Nadu, Delhi, and 28 more.
Andhra PradeshSD 5%
Telangana Common Areas tax separate
Arunachal PradeshSD 6%
No professional tax
AssamSD 8.25%
Highest in NE region
BiharSD 6%
No professional tax
Chandigarh UTSD 5%
UT — central tax rules
ChhattisgarhSD 5%
PT slab tops at ₹2,500
Delhi UTSD 6% / 4% (F)
Lower stamp duty for female buyers
GoaSD 3.5-5%
Tiered by property value
GujaratSD 4.9%
Includes 1% registration
HaryanaSD 7%
Higher slab vs neighbours
Himachal PradeshSD 6%
No professional tax
Jammu KashmirSD 5%
UT — special status assets
JharkhandSD 4%
Among the lowest in India
KarnatakaSD 5%
Tiered: 2/3/5% by value
KeralaSD 8%
Highest stamp duty band
LadakhSD 3%
UT — concessional rate
Madhya PradeshSD 7.5%
Includes registration fee
MaharashtraSD 6% (urban)
Mumbai metro premium applies
ManipurSD 7%
PT applies above ₹50k/mo
MeghalayaSD 9.9%
India's highest stamp duty
MizoramSD 9%
Among the highest in India
NagalandSD 8.25%
No professional tax
OdishaSD 5%
Bhubaneswar premium urban band
PuducherrySD 7%
UT — applies AP-style PT
PunjabSD 7% / 5% (F)
Discount for female buyers
RajasthanSD 5% / 4% (F)
Female buyer concession
SikkimSD 5%
Special article-371F status
Tamil NaduSD 7%
PT collected by municipalities
TelanganaSD 5%
Hyderabad metro applies cess
TripuraSD 5%
PT just under cap
Uttar PradeshSD 7%
No professional tax
UttarakhandSD 5%
No professional tax
West BengalSD 6%
Kolkata urban premium 7%
India questions, answered.
What's new in FY 2025-26?
Section 87A rebate now extends to ₹12L taxable income in the new regime (effectively zero tax up to ₹12.75L gross for salaried with std deduction). New brackets: 0% / 5% / 10% / 15% / 20% / 25% / 30% in ₹4L bands.
Old vs new regime - which should I pick?
New regime wins for most salaried earners with deductions below ₹4-5L. Old regime wins if you maximize 80C (₹1.5L) + home loan interest (₹2L) + 80D + HRA. Use the Regime Comparator - it auto-recommends.
Is the salary calculator accurate to my company's payslip?
Yes - within rounding. The calculator applies Code on Wages (50% basic), capped EPF (₹1,800/mo employee + employer), gratuity 4.81%, professional tax (₹2,400/yr), and HRA exemption (least of 3). Match it against your payslip; if they differ, your company is likely using non-standard structuring.
Why is ₹15L CTC giving ₹1.13L not ₹1.25L take-home?
Because of EPF (₹1,800 each side capped) + gratuity accrual + standard deduction + new regime tax (₹39,520 + 4% cess) + PT (₹2,400/yr). Math is fully transparent in the breakdown table.
What about EPF - capped or uncapped?
You can choose. Salary calculator default is capped (₹1,800/mo statutory min). Many companies do uncapped 12% - toggle in inputs.
Tax planning in India: complete guide
India operates a dual income-tax system where taxpayers can choose between the old regime (with deductions and exemptions like 80C, HRA, home loan interest) and the new regime (lower rates but no deductions). The new regime, with its full rebate up to Rs 12 lakh and standard deduction of Rs 75,000, is the default since FY 2024-25 and wins for most salaried taxpayers without significant deduction claims.
Choosing between old and new regime
The old regime makes sense if your eligible deductions exceed roughly Rs 4-5 lakh, typically achieved by:
- Section 80C (Rs 1.5 lakh): EPF, PPF, ELSS, life insurance, home loan principal, NSC
- Section 24(b) home loan interest (Rs 2 lakh self-occupied)
- HRA exemption (rent receipts in metro cities)
- Section 80D health insurance (Rs 25K self / Rs 50K parents)
- NPS additional Rs 50K under 80CCD(1B)
Most popular tax-saving instruments
PPF (Public Provident Fund): 15-year lock-in, currently 7.1% interest, full EEE (exempt at deposit, growth, withdrawal). Best for risk-averse long-term savers. Maximum Rs 1.5 lakh per year.
ELSS Mutual Funds: 3-year lock-in (shortest of all 80C options). Equity exposure means higher long-term returns (~12-15% historical) but with market risk. Pairs well with SIP investing.
EPF + VPF: Mandatory for salaried at 12% of basic. Voluntary Provident Fund (VPF) lets you contribute additional up to 88% of basic at the same EPF rate (8.25% for 2024-25). Tax-free if held until retirement.
NPS (National Pension System): Additional Rs 50K deduction under 80CCD(1B) on top of 80C limit. Mandatory annuity at retirement. Government employees often have NPS Tier I as primary retirement vehicle.
Home loan: Combines investment (capital appreciation) with double tax benefit (principal under 80C + interest under 24(b)).
FY 2025-26 quick reference
- Standard deduction: Rs 75,000 (new regime), Rs 50,000 (old regime)
- Section 87A rebate: full rebate up to Rs 12 lakh taxable income (new regime)
- Section 80C limit: Rs 1.5 lakh (old regime only)
- NPS additional deduction (80CCD-1B): Rs 50,000 (old regime only)
- HRA exemption: minimum of (actual HRA received, 50%/40% of basic for metro/non-metro, rent paid minus 10% basic)
- LTCG on equity (Section 112A): 12.5% above Rs 1.25 lakh exemption (raised from Rs 1 lakh in Budget 2024)
- STCG on equity (Section 111A): 20% (raised from 15% in Budget 2024)
More India tax tools
Calculators by Indian city
Localized 2026 tax math + keyword-targeted pages for every IN region. Each links to: Salary Calculator, Income Tax, Hra Exemption, Home Loan Emi.