Multi-year CTC to In-Hand calculator. Supports 4 financial years, both Income Tax Act, 1961 (FY 23-24 to 25-26) and Income Tax Act, 2025 (FY 26-27). Includes surcharge tiers (10%/15%/25%/37%), marginal relief, and full deductions logic.
Click Calculate to see your in-hand salary with both regime comparison for the selected FY.
| Income Range | FY 2023-24 | FY 2024-25 | FY 2025-26 / 2026-27 ⭐ |
|---|---|---|---|
| ₹0 – ₹3L | Nil | Nil | Nil (up to ₹4L) |
| ₹3L – ₹4L | 5% | 5% | Nil |
| ₹4L – ₹6L | 5% | 5% | 5% |
| ₹6L – ₹7L | 5% | 5% | 5% |
| ₹7L – ₹8L | 10% | 10% | 5% |
| ₹8L – ₹9L | 10% | 10% | 10% |
| ₹9L – ₹10L | 15% | 10% | 10% |
| ₹10L – ₹12L | 15% | 15% | 10% |
| ₹12L – ₹15L | 20% | 20% | 15% |
| ₹15L – ₹16L | 30% | 30% | 15% |
| ₹16L – ₹20L | 30% | 30% | 20% |
| ₹20L – ₹24L | 30% | 30% | 25% |
| Above ₹24L | 30% | 30% | 30% |
| Standard Deduction | ₹50,000 | ₹75,000 | ₹75,000 |
| 87A Rebate Limit | ₹7L (₹25K) | ₹7L (₹25K) | ₹12L (₹60K) |
The Income Tax Act, 2025 (effective 1 April 2026) restructures the 1961 Act with simplified language and renumbered sections. Substantive provisions remain the same — only structure changes.
| Old (IT Act 1961) | New (IT Act 2025) | Provision |
|---|---|---|
| Section 10(13A) | Section 19 read with Schedule II | HRA exemption |
| Section 115BAC | Section 202 | New tax regime |
| Section 80C | Section 123 | Tax-saving investments |
| Section 80D | Section 126 | Health insurance |
| Section 24(b) | House-property deductions (confirm in CBDT concordance) | Home loan interest |
| Section 192 | Section 392 | TDS on Salary |
| Section 87A | Section 156 | Rebate |
The calculator does the arithmetic. TaxSphere — our free case-law library, 1,184 authorities and the Act in full — has the judgments, the circulars and the statutory text for the same provision.
