India Tax Optimizer

⚡ Simple Mode

🔬 Detailed Mode

⚡Simple Mode Inputs

Use the figures from your offer letter / payslip.

Annual CTC (₹) Total package in your offer letter, including all employer costs. Basic Salary % of CTC 50% Code on Wages 2019 recommends Basic ≥ 50%. Basic = this % of CTC. Other Allowances (₹/month) Leave 0 to auto-compute as (CTC − Basic) − employer PF − employer NPS.

Auto Split Allowances (HRA + Food, for Old Regime HRA math)

Is Gratuity shown in your CTC / salary structure?

Ex-Gratia / Bonus (₹/year) Fully taxable. Contribution Base (for PF & NPS)

Employer NPS % of Basic — 80CCD(2) 0% Most powerful New-Regime lever. Deductible even in New Regime. Employee PF % of Base 12% Professional Tax (₹/month)

Old Regime inputs (optional — only affects Old Regime)

Rent paid (₹/month) City type

80C (max 1,50,000) 80D (medical insurance)

Home Loan Interest — Sec 24 (max 2,00,000)

🧾Salary Breakdown

Derived from your CTC. Employer costs are stripped out to reach payslip gross.

Employer PF + Employer NPS + Gratuity are included in your CTC but never appear on your payslip — they are not deducted from your take-home.

📊 Summary

New Regime Taxable

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Old Regime Taxable

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Best Monthly Take-Home

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⚖️ Full Comparison

📶 Tax Slab Breakdown

New Regime

Old Regime

🚀 Tax Escape Routes

💰 Wealth Builder

Forced savings being built every year through retirement & statutory contributions.