India Tax & Salary
Income tax, GST, HRA exemption, capital gains, salary breakdown, TDS, stamp duty across 28 states — built around the Income Tax Act and current Finance Act.
India-specific tax calculators built around the actual sections of the Income Tax Act — old regime, new regime, capital gains post-July 2024, GST, HRA, stamp duty across all 28 states. Every formula matches what the IT Department uses to assess returns.
India Tax
Income Tax India
Calculate India income tax under both Old and New regimes side-by-side. See which regime saves more, with 87A rebate, cess, and standard deduction applied.
Open calculatorGST Calculator (India)
Calculate Goods and Services Tax (GST) instantly. Find the GST amount, total price, or net price using common rates (5%, 12%, 18%, 28%).
Open calculatorCapital Gains
Calculate STCG and LTCG on equity, debt MFs, property, and gold using post-July 2024 rules. Auto-classifies short vs long term by holding period.
Open calculatorTDS
Calculate TDS on salary, interest, professional fees, rent, and contractor payments under sections 192/194A/194C/194I/194J — with PAN-flag handling.
Open calculator80C Saver
Calculate the actual tax saved from your 80C, 80CCD(1B) NPS, and 80D health insurance deductions across all old-regime tax slabs.
Open calculatorHRA Exemption
Calculate your House Rent Allowance (HRA) exemption under section 10(13A). Compare actual rent paid, HRA received, and salary-based limits.
Open calculatorTax Refund
Estimate your income tax refund (or additional tax due) by comparing TDS + advance tax paid against actual tax liability across both old and new regimes.
Open calculatorFreelancer Tax
Plan quarterly advance tax for freelancers under Section 44ADA presumptive (50% deemed) or actual expenses, factoring 10% TDS deducted by clients.
Open calculatorSalary Breakdown
Break down your CTC into Basic, HRA, Special Allowance, PF, gratuity, and take-home using a typical Indian salary structure.
Open calculatorAdvance Tax
Compute your quarterly advance tax installments — 15%, 45%, 75%, 100% by 15 Jun/Sep/Dec/Mar — to avoid section 234B and 234C interest.
Open calculatorCrypto Tax
Calculate tax on crypto/VDA gains at flat 30% + 4% cess, with 1% TDS adjustment. Models India's no-loss-offset rule under Section 115BBH.
Open calculatorProfessional Tax
State-wise professional tax for salaried employees, capped at ₹2,500/year. Covers Maharashtra, Karnataka, West Bengal, Tamil Nadu and 9+ other states.
Open calculatorRental Tax
Calculate tax on rental income from property — with 30% standard deduction, full home loan interest deduction, and slab-rate computation.
Open calculatorStamp Duty
Estimate stamp duty and registration charges on property purchase across all 28 Indian states, with female-owner concessions and circle rate adjustments.
Open calculatorWhat's covered
Income tax computation across both regimes (old and new), with FY 2024-25 onward slabs, surcharge tiers, 87A rebate, and 4% cess. The calculator picks whichever regime gives lower tax for your inputs and shows the rupee saving.
GST (forward and reverse), HRA exemption (lower of three rules), stamp duty across 28 states with female-owner discounts, and capital gains under post-July 2024 rules — equity LTCG at 12.5% above ₹1.25L exemption, property/gold at 12.5% without indexation (with transitional 20%-with-indexation option for pre-July 2024 acquisitions).
Practical planning calculators — TDS section-wise (194A/C/I/J/H), advance tax quarterly schedule, professional tax for 13 levying states, 80C/80D tax saver, freelancer quarterly tax under Section 44ADA, rental income tax with full Section 24 deductions, crypto tax under Section 115BBH, and tax refund estimation.
Why use a dedicated India calculator instead of generic tools
Generic global calculators miss India-specific rules — 87A rebate, 44ADA presumptive scheme, Section 24's ₹2 lakh cap on self-occupied home loan interest, the unlimited deduction on let-out property, the no-loss-offset rule on crypto. Each of these can shift tax by ₹50,000-2,00,000 per year for a typical professional.
The calculators here are built around the Income Tax Act's actual sections, the Finance Act 2024 amendments, and CBDT clarifications. When rules change (Budget 2026, mid-year notifications), we update — old assumptions are explicitly disclaimed in the disclaimer of each calculator.
Frequently asked questions
Is the new tax regime better than the old regime?
It depends on your specific deductions. Below ₹15L income with no major deductions, new regime usually wins (₹7L 87A rebate makes tax zero up to that). Above ₹15-20L with full home loan interest + 80C + 80D + HRA, old regime usually wins. The income tax calculator runs both and picks the better one for your case.
Can a salaried employee switch between old and new regime each year?
Yes. Salaried individuals can switch every financial year by ticking the right option in the ITR. Your employer applies whichever regime you declare for monthly TDS; the actual choice is finalised at filing. People with business or professional income are restricted — they can switch only once in a lifetime.
What changed in capital gains post July 2024?
Equity STCG raised from 15% to 20%. Equity LTCG raised from 10% (above ₹1L) to 12.5% (above ₹1.25L). Property and gold LTCG dropped from 20% with indexation to 12.5% without. Transitional rule: pre-July 2024 property/gold can opt for 20% with indexation if it gives lower tax.
Do I need to pay advance tax if I'm a salaried employee?
Usually no — your employer's monthly TDS covers the liability. But if you have additional income (capital gains, freelance, rental, interest above thresholds), and total liability after TDS exceeds ₹10,000, you must pay advance tax in 4 quarterly installments (15 Jun, 15 Sep, 15 Dec, 15 Mar). Missing installments triggers Section 234B/234C interest.
How is freelance / consulting income taxed?
Two options. Section 44ADA presumptive scheme: declare 50% of gross receipts (up to ₹50L) as deemed income — no books needed. Or claim actual expenses with full bookkeeping. Both options apply slab rates. Use the freelancer quarterly tax calculator to compare.
What's the difference between TDS, advance tax, and self-assessment tax?
TDS is deducted by your payer (employer, bank, client) and credited to your PAN — you don't pay it directly. Advance tax is what you pay quarterly on income that's not TDS-covered. Self-assessment tax is the gap you settle at filing time if TDS + advance < total liability. All three add up to your annual tax bill.
Are my crypto gains taxable in India?
Yes, at flat 30% under Section 115BBH (no LTCG benefit, no slab variation). Plus 4% cess and applicable surcharge. Critically, crypto LOSSES cannot offset gains in any other head — not salary, not stocks, not even other crypto. Loss is permanently lost. 1% TDS applies on every sale above ₹10K under Section 194S.
Related guides
Old vs New Tax Regime: Which One Actually Saves You More?
Since FY 2023-24, India has two parallel income tax systems. The new regime is the default, with lower slabs but no deductions; the old regime keeps higher slabs but lets you claim 80C, 80D, HRA, and home loan benefits. Which one wins for your specific income depends on a calculation most people skip — and getting it wrong costs ₹30,000 to ₹1 lakh per year for typical salaried incomes.
Read articleSection 80C in 2026: How to Allocate Your ₹1.5 Lakh for Maximum Real Return
Section 80C is a basket of investment options sharing a single ₹1.5 lakh annual deduction limit. Most salaried Indians fill it with whatever their relationship manager pushes — usually a high-commission ULIP. The right allocation depends on your timeline, return expectations, and existing automatic contributions like EPF. This guide compares every 80C option and shows the optimal mix.
Read articleStamp Duty in India: A State-by-State Guide for Property Buyers
Stamp duty is the second-biggest line item in a property purchase after the home itself, often 5-8% of the property value. Rates vary state-by-state, and most states discount stamp duty for female owners or joint registration. Many first-time buyers underestimate this entirely — and discover too late they need ₹4-6 lakh extra in cash that the home loan won't cover. This guide gives you the rates and the math.
Read articleCapital Gains Tax in India 2026: A Practical Guide After the 2024 Reforms
The Finance Act 2024 made some of the biggest changes to capital gains tax in two decades — removing indexation on property and gold, and dropping LTCG rates uniformly to 12.5%. For investors and property owners, these changes shift the after-tax math on every major asset class. Here's the post-reform landscape, with examples for each.
Read articleExplore other categories from Calculatorist's home page, or jump straight to one of the most popular calculators below.