Post-Tax Salary Calculator

Enter your annual taxable income under the New Tax Regime - this is your gross salary minus the ₹75,000 standard deduction (for salaried employees from FY 2024-25) and any other permitted deductions like employer NPS contribution under Section 80CCD(2). Do not enter your CTC directly - CTC includes employer PF, gratuity, and other components that are not part of your taxable salary. If you're unsure of your taxable income, check your Form 16 or ask your payroll team.

The calculator applies the New Tax Regime slab rates for FY 2024-25 (0% up to ₹3L, 5% for ₹3L–₹6L, 10% for ₹6L–₹9L, 15% for ₹9L–₹12L, 20% for ₹12L–₹15L, and 30% above ₹15L). It then checks if Section 87A rebate applies (full rebate if income ≤ ₹7L), adds 4% Health and Education Cess on the remaining tax, and subtracts the total tax from your salary to give annual and monthly post-tax figures. All calculations use whole-rupee rounding.

If your annual taxable income is ₹7,00,000 or less, Section 87A provides a full tax rebate - making your total tax liability zero regardless of which slabs your income falls into. This is a specific provision of the New Tax Regime that was enhanced in Budget 2023. The Old Regime's 87A limit is only ₹5,00,000. So at ₹7L income under the New Regime, even though slab tax of ₹25,000 is calculated, the 87A rebate brings the final liability to ₹0.

The effective tax rate is the total tax payable (including cess, after rebate) divided by your total annual income, expressed as a percentage. It tells you what fraction of your total income actually goes to tax. Because of the progressive slab structure, the effective rate is always lower than your highest marginal slab rate. For example, at ₹15L income the top slab is 30%, but the effective rate is approximately 10.4% because most of the income is taxed at lower slabs (0%, 5%, 10%, 15%, 20%).

No - you must enter your income after standard deduction. The ₹75,000 standard deduction (for salaried employees, FY 2024-25) is not automatically deducted by this calculator. If your gross salary is ₹10,75,000, you should enter ₹10,00,000 (after deducting ₹75,000) as the taxable income. This gives you precise control and allows the calculator to work for non-salaried taxpayers who may have different deduction amounts.

TDS deducted by your employer may differ from this calculator's result for several reasons: your employer may be using Old Regime rates (if you opted out of New Regime), TDS is often calculated on projected full-year income with adjustments, your employer may factor in additional perquisites or allowances not included in your declared salary, or TDS may be spread unevenly across months. This calculator gives the correct theoretical tax under the New Regime for FY 2024-25 - it does not model employer TDS logic or account for regime choice. For exact TDS, refer to your Form 16.

No. Surcharge applies only on incomes above ₹50 lakhs and is not included in this calculator. For incomes above ₹50L under the New Regime, surcharge is: 10% (₹50L–₹1Cr), 15% (₹1Cr–₹2Cr), 25% (₹2Cr and above - capped at 25% under New Regime). If your income exceeds ₹50 lakhs, use the Income Tax Calculator on this site which includes full surcharge computation with marginal relief.

No. All calculations run entirely in your browser using JavaScript. No data is transmitted to any server, stored in any database, or shared with any third party. The income figure you enter exists only in your browser tab for the duration of your session and is gone when you close or navigate away.