Annual Salary
₹7,00,000
₹58,333/month
Best Regime Tax
₹0
With cess & surcharge
Total Deductions
₹0
Tax saving investments
Monthly In-Hand
₹0
After TDS
Old Regime vs New Regime — FY 2025-26
87A Rebate · Surcharge · 4% Cess · Std Deduction ₹75K
OLD REGIME
₹0
0.0% effective · Allows all deductions
NEW REGIME
₹0
0.0% effective · Zero tax ≤₹12L
Salary Scenarios — Tax Across Income Levels
Your deductions applied · Current row highlighted
🎯 Breakeven Point
₹—
Above this deduction level, Old Regime is better. Below, New Regime wins.
💡 Max Tax Saving Possible
₹—
If you fully utilize 80C + NPS + 80D + HRA
| Salary | Old Regime Tax | New Regime Tax | Best Regime | Savings | In-Hand/mo | Eff. Rate |
|---|
Where your salary goes
Tax growth across salaries
Section-wise Investment Guide
Green = maxed · Amber = can save more · Click for details
Deduction Optimizer — Limit Usage
Step-by-Step Tax Computation
Exactly how your tax is calculated
| Step | Old Regime | New Regime | Explanation |
|---|
Monthly TDS Schedule — FY 2025-26
Best regime applied
| Month | TDS Deducted | In-Hand | Cumulative | Eff. Rate | Status | Note |
|---|
Tax Refund Timeline — Step by Step
After filing ITR
File your ITR by July 31 → Verify using Aadhaar OTP → Refund arrives in 7–45 days.
Share & Export Your Tax Report
AI Tax Advisor — Personalized Tips
Groq · Llama 3.1 · Free
Click "Get AI Advice" after entering your Groq key (free at console.groq.com). Or ask a custom question above!