Complete calculator with automatic PF/VPF, HRA, 80C optimizer & smart recommendations
Payable only after 5 years of continuous service. Not part of monthly in-hand salary.
Choose Old Regime
You save ₹50,000 in taxes
Get a clean PDF with: Old vs New regime comparison • Your exact tax liability • Missed deductions checklist • Filing-time reminders
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| Income Range | Tax Rate |
|---|---|
| Up to ₹2.5L | Nil |
| ₹2.5L - ₹5L | 5% |
| ₹5L - ₹10L | 20% |
| Above ₹10L | 30% |
| Income Range | Tax Rate |
|---|---|
| Up to ₹3L | Nil |
| ₹3L - ₹7L | 5% |
| ₹7L - ₹10L | 10% |
| ₹10L - ₹12L | 15% |
| ₹12L - ₹15L | 20% |
| Above ₹15L | 30% |
Choose Old Regime if you have significant deductions (80C, HRA, home loan interest). Choose New Regime if you have minimal deductions and want simplicity with lower tax rates.
VPF contribution itself is tax-deductible under 80C. However, if your total PF (Employee + Employer + VPF) exceeds ₹5 lakh per year, the interest earned on the excess amount becomes taxable.
HRA exemption = Minimum of: (1) Actual HRA received, (2) Rent paid - 10% of Basic, (3) 50% of Basic (metro) or 40% (non-metro).
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The Section 80C deduction limit is ₹1.5 lakh per year. This includes EPF, VPF, PPF, ELSS, life insurance premiums, home loan principal, and other eligible investments.
Yes, salaried individuals can switch between Old and New regime every year while filing their Income Tax Return (ITR). However, if you have business income, you can switch only once.