Advanced Income Tax Calculator FY 2025-26 & 2026-27

🧾 Advanced Income Tax Calculator

Old vs New Regime Optimizer · F&O Taxation · Capital Gains · Budget 2025 / Income Tax Act 2025

FINANCIAL YEAR

Advanced tax engine · Old vs New Regime Optimizer · Salary restructuring · Capital gains · Deductions · AI-powered savings insights · Budget 2025 rules

📊 Income & Deduction Inputs

All amounts in ₹ per year unless noted

Salary

Cap Gains

Business

Deductions

Advanced

Basic Salary Components

Basic Salary (Annual) ₹

DA / Dearness Allowance ₹

HRA Received ₹

Special Allowance ₹

LTA / Leave Travel Allowance ₹

Other Taxable Allowances ₹

Bonus / Performance Pay ₹

Gratuity (Annual) ₹

Employer PF Contribution ₹

Employee PF Contribution ₹

HRA & Rent Details

Annual Rent Paid ₹

City Category

Other Income

Interest Income (FD/Savings) ₹

Rental Income (Net) ₹

Dividend Income ₹

Other Income ₹

Age Category

Age Group (for tax slabs)

Equity (STT Paid)

LTCG — Equity/Mutual Funds ₹

STCG — Equity/Mutual Funds ₹

LTCG @12.5% (exempt up to ₹1.25L) · STCG @20% · Budget 2024 rates

Immovable Property

LTCG — Property ₹

STCG — Property ₹

LTCG @12.5% (no indexation) or @20% with indexation · STCG taxed at slab rates

Digital Assets & Commodities

Crypto / VDA Gains ₹

Gold Gains (LTCG) ₹

Crypto/VDA @30% flat (no set-off) · Gold LTCG @12.5% (no indexation, after Budget 2024)

ESOP / RSU — Sale Gains

ESOP/RSU Sale LTCG (>12 months) ₹

ESOP/RSU Sale STCG (≤12 months) ₹

Listed equity ESOP: LTCG @12.5% (₹1.25L exempt) · STCG @20% · Unlisted: LTCG @12.5% without indexation

Debt Mutual Funds (post-Apr 2023)

Debt MF Gains (Taxed at Slab) ₹

Debt MF (bought after Apr 1, 2023) — gains taxed as ordinary income at slab rates

⚡ F&O Income — Non-Speculative Business Income

F&O Net Profit / (Loss) ₹

F&O Turnover (for audit check) ₹

F&O profit/loss treated as non-speculative business income · Taxed at slab rates · Eligible for 80C, 80D deductions · Losses carried forward 8 years

Presumptive Business Income (44AD/44ADA)

Presumptive Income (44AD) ₹

Presumptive Income (44ADA) ₹

44AD: Trading/Business (≤₹3Cr) · 44ADA: Professionals (≤₹75L)

Normal Business Income

Net Business Profit (after expenses) ₹

Freelance / Professional Income

Freelance / Consulting Income (Net) ₹

Section 80C — Max ₹1,50,000

PPF / ELSS / NSC / LIC ₹

Employee PF (auto-filled) ₹

Tuition Fees (Children) ₹

Home Loan Principal ₹

80C total: ₹0 / ₹1,50,000 limit

Section 80D — Health Insurance

Self + Family Premium ₹

Parents' Premium ₹

Parents' Age

Preventive Health Checkup ₹

Home Loan & Rent

Home Loan Interest (24b) — Max ₹2L ₹

HRA (auto-calculated) ₹

NPS & Other Deductions

NPS 80CCD(1B) — Max ₹50,000 ₹

Employer NPS 80CCD(2) ₹

Education Loan Interest (80E) ₹

Section 80G — Charitable Donations

Select donation type — the deduction percentage and limit vary by recipient institution

100% No Limit: PM National Relief Fund, PM CARES, National Defence Fund, PM Bal Vikas Kosh

Donation Amount ₹

Allowed Deduction (calculated) ₹

Savings A/c Interest (80TTA/TTB) ₹

Disability (80U/80DD) ₹

ESOPs & RSUs

ESOP Perquisite Value at Exercise ₹

RSU Perquisite Value at Vest ₹

ESOPs/RSUs: FMV - Exercise Price treated as salary perquisite. Startup ESOPs may have deferred TDS.

Foreign Income & Assets

Foreign Salary / Income (₹ equiv.) ₹

Foreign Tax Credit (DTAA) ₹

Residential Status

Additional Tax Credits & TDS

TDS Already Deducted ₹

Advance Tax Paid ₹

💡 Hypothetical Bonus Modeler

Model Hypothetical Bonus (What-If) ₹

Tax on This Bonus

₹0

Effective Rate: 0%

Salary Restructuring Intent

Restructuring Goal

New Regime

₹0

Total Tax (incl. surcharge + cess)

Effective Rate

0.0%

Monthly Tax

₹0

Old Regime

₹0

Total Tax (incl. surcharge + cess)

Effective Rate

0.0%

Monthly Tax

₹0

Gross Income

₹0

Taxable Income

Best Regime

₹0

Post-Tax Annual Income

₹0

Monthly Take-Home

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AI TAX OPTIMIZER INSIGHTS

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Tax Comparison

OPTIMAL REGIME — TAX COMPUTATION

Head of Income / Deduction	Old Regime (₹)	New Regime (₹)
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💡 TAX SAVING OPPORTUNITIES

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⚙️ Salary Restructuring Insights

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MARGINAL TAX ANALYSIS

If you earn additional...	New Regime Tax	Old Regime Tax	Net in Hand (New)
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