Find the optimal tax regime combination for you and your partner.
📅 This calculator is for Tax Year 2026-27 (income earned between April 2026 to March 2027), under India's new Income Tax Act 2025. Returns for this income will be filed next year. If you are looking to file returns right now (for FY 2025-26), this is not the right tool.
These set the ceiling for what can be claimed.
Employer's share only. Deductible in both old and new regime, capped at 14% of basic. Enter 0 if not applicable.
Your share of Provident Fund (12% of basic for most). Used to check if 80C (₹1,50,000 limit) is covered.
Fully taxable. Shown separately on most salary slips.
Joining bonus, annual bonus, performance bonus. Enter as annual amount only.
Employer's share only. Deductible in both old and new regime, capped at 14% of basic. Enter 0 if not applicable.
Your share of Provident Fund (12% of basic for most). Used to check if 80C (₹1,50,000 limit) is covered.
Fully taxable. Shown separately on most salary slips.
Joining bonus, annual bonus, performance bonus. Enter as annual amount only.
Plan at the start of year. Calculator auto-optimises who claims what to minimise household tax.
Metro cities (50% of basic, as per IT Rules 2026): Delhi, Mumbai, Kolkata, Chennai, Hyderabad, Bengaluru, Pune, Ahmedabad. All other cities are non-metro (40% of basic).
Claimable once in 2 years for actual travel within India. Cannot exceed individual LTA in each slip. Calculator assigns to whoever benefits most.
Combined cap: ₹25,000.
Cap: ₹25,000 (₹50,000 if senior citizens).
Calculator assigns the total 80D to whoever benefits most. If both are on old regime, it tries all split options.
Tax Year 2026-27 updated rate: ₹3,000/month (₹36,000/year) per child, max 2. Only claimable if children are enrolled in school. Old regime only.
₹9,000/month per child exempt under old regime only. Enter 0 if not in salary slip.
No statutory cap - full bill amount exempt.
No statutory cap - full bill amount exempt.
Only if fuel reimbursement is in slip. Full amount exempt against bills.
No statutory cap - exempt up to actual spend on uniform, capped at slip amount.
Capped at ₹1,24,800/year (₹200/meal × 2 meals × 26 working days × 12) as per Income Tax Rules 2026, effective April 1, 2026. Only meal cards/vouchers qualify - cash is fully taxable.
No statutory cap - full bill amount exempt.
No statutory cap - full bill amount exempt.
Only if fuel reimbursement is in slip. Full amount exempt against bills.
No statutory cap - exempt up to actual spend on uniform, capped at slip amount.
Capped at ₹1,24,800/year (₹200/meal × 2 meals × 26 working days × 12) as per Income Tax Rules 2026, effective April 1, 2026. Only meal cards/vouchers qualify - cash is fully taxable.
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