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This calculator estimates your yearly income tax under the new tax regime, built around how a government employee's pay changes during the year: DA revisions and the annual increment.
It adds up basic pay, DA, HRA and transport allowance across the year, adds bonus and other income, subtracts the standard deduction, and then applies the slab rates, the rebate and cess.
| Current Basic Salary | ₹56,100 |
| Basic After Annual Increment | ₹57,800 |
| Increment Month | July |
| DA % (Apr–Jul slab) | 58% |
| DA % (mid slab) | 58% |
| DA % (Jan–Mar slab) | 60% |
| HRA % | 30% |
| Travel Allowance (TA) | ₹3,600 |
| Bonus / Ex-gratia | ₹0 |
| Children Education Allowance | ₹0 |
| Income From Other Sources | ₹0 |
| Estimated annual tax (FY 2026-27, new regime) | ₹75,956 |
| Projected annual salary | ₹13,61,896 |
| Taxable income (after ₹75,000 standard deduction) | ₹12,86,896 |
| Monthly TDS (spread over 12 months) | ₹6,330 |
| In-hand after tax (before NPS/CGHS/other deductions) | ₹12,85,940 |
| Rebate under 87A | Not available (taxable income above ₹12 lakh) |
Tax ₹75,956 on salary ₹13,61,896.
Try this example →| Current Basic Salary | ₹35,400 |
| Basic After Annual Increment | ₹36,500 |
| Increment Month | July |
| DA % (Apr–Jul slab) | 58% |
| DA % (mid slab) | 58% |
| DA % (Jan–Mar slab) | 60% |
| HRA % | 20% |
| Travel Allowance (TA) | ₹1,800 |
| Bonus / Ex-gratia | ₹6,908 |
| Children Education Allowance | ₹0 |
| Income From Other Sources | ₹0 |
| Estimated annual tax (FY 2026-27, new regime) | ₹0 |
| Projected annual salary | ₹8,14,376 |
| Taxable income (after ₹75,000 standard deduction) | ₹7,39,376 |
| Monthly TDS (spread over 12 months) | ₹0 |
| In-hand after tax (before NPS/CGHS/other deductions) | ₹8,14,376 |
| Rebate under 87A | Yes — no tax up to ₹12 lakh taxable income |
Tax ₹0.
Try this example →Surcharge for very high incomes, deductions available only in the old regime, and tax on other special-rate income are not modelled. Use this as an estimate and confirm with your employer or a tax professional.
It usually is if you claim few deductions. Compare with the old regime if you have large HRA, 80C or home-loan deductions.
Yes. HRA exemption is available only under the old regime, so HRA is treated as part of taxable salary here.
Because DA is revised in January and July and the annual increment falls in July, pay differs across the year.
Nil up to ₹4 lakh, 5% for 4–8 lakh, 10% for 8–12 lakh, 15% for 12–16 lakh, 20% for 16–20 lakh, 25% for 20–24 lakh and 30% above ₹24 lakh, plus 4% cess.
Yes for salaried people: the ₹75,000 standard deduction plus the 87A rebate on taxable income up to ₹12 lakh means no tax on salary up to ₹12.75 lakh.