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Tax Saving Calculator

Compares Old vs New tax regime liability with Section 80C, 80D, NPS, HRA, and home loan deductions. Generates a personalized tax-saving report for Indian salaried employees. Details never leave your device — validation and generation run locally in your browser.

100% Local Browser Native

How to Use the Tax Saving Calculator

1. Fill the inputs

Enter salary and other income, then deductions.

2. Read the tax payable

Check the tax payable with slab-wise breakup.

3. Compare scenarios

Change one input and re-read — the delta between runs is the decision signal.

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Frequently Asked Questions

Old vs new regime — how do I choose?

Rough rule: deductions above ~₹4–4.25 lakh favor old regime; below favors new (for ₹15L+ incomes). Example: ₹18L salary with ₹5L deductions (80C+HRA+80D+NPS) → old regime saves roughly ₹60–70k tax vs new. Enter your exact figures — the crossover is personal.

Which deductions matter most?

80C (capped ₹1.5L), HRA (min of 12×rent, 50% salary, 12×rent minus 10% salary), 80D (capped ₹25k), NPS 80CCD(1B) (capped ₹50k), home-loan interest (capped ₹2L). Standard deduction ₹50k applies in both regimes. Note: home-loan principal has an input but is not counted in deductions; the report downloads as .txt, not PDF.

Can I switch regimes every year?

Salaried: yes, each financial year. Business income: switching is restricted (once back to old after opting out, with conditions). Salaried filers should re-run this comparison every March.

Does this handle capital gains and rental income?

Salary-focused: it models salary, HRA, and common deductions. Capital gains (taxed separately at 12.5%/20%) and rental income need separate treatment — add them to total income manually.

Is my salary data stored?

No. All calculations run locally in your browser. No financial data leaves your device.

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Last updated October 2026