Enterprise Tax Advisor — Tax Year 2026-27 (FY 2026-27)

Employment Type

Employer Sector

Apply Sec 44ADA (Presumptive Taxation: 50% of Receipts Taxable) ?

Age Group

City for HRA ?

Master Income Input

Total Annual CTC (Target)

Fixed Salary Components

Basic Pay

HRA (House Rent Allowance) = 50% of Basic · Auto-set

Bonus / Variable Pay

Bonus Payout Frequency Affects TDS split in Cash Flow Simulator below.

Incentive Payment

Retirals / Employer Contributions

Employer PF Contribution ? = 12% of Basic · Auto-exempt up to 12% Basic

Employee Own PF / VPF (deducted from your salary — 80C eligible in Old Regime) ? = 12% of Basic · Auto-set · Edit to enter VPF amount ⚠️ This also reduces your monthly take-home (deducted from salary slip). It is shown in the Cash Flow section as “(−) Employee PF / VPF”.

Superannuation Contribution ?Combined Emp PF + NPS + Superannuation: ₹7.5L cap

Employer NPS (80CCD2 / Sec 123) %?

Old Regime %

New Regime %

Flexible Benefit Plan (FBP) Bucket Remaining Auto-Calculated: Total CTC minus all above fixed components.

Input/Month ₹

Total/Year ₹

Exempt Edit ₹

Meal Allowance
(Max ₹1.05L Exempt)
✅ Exempt in Old & New Regime

Driver Reimbursement
✅ Exempt in Old & New Regime

Fuel & Maintenance
✅ Exempt in Old & New Regime

Mobile/Internet
✅ Exempt in Old & New Regime

Edu/Hostel Allow. (Child 1)
(Max ₹36k / Child, ₹72k Combined)
⚠️ Old Regime only — Fully taxable in New Regime

Edu/Hostel Allow. (Child 2)
(Max ₹36k / Child, ₹72k Combined)
⚠️ Old Regime only — Fully taxable in New Regime

Leave Travel Allowance (LTA) Claimed Yearly ✅ Exempt in Old Regime with valid bills submitted | ❌ Not exempt in New Regime — treated as taxable special allowance

Residual Taxable Special Allowance ?

Old Regime

New Regime

📐 Why are Old & New Regime residuals different?

📌 Key rule: Education Allowance and LTA are exempt only in the Old Regime. Under the New Regime, these amounts are treated as taxable Special Allowance — they stay in the residual, pushing it higher. This is one of the hidden costs of the New Regime for employees with children or frequent travel.

Actual Rent Paid
For HRA Exemption

Split HRA for Mid-Year Relocation? (Metro → Non-Metro or vice versa)

Home Loan Interest (Sec 24b / Sec 33) — Property Type ?

Self-occupied: deductible up to ₹2L in Old Regime only. Not available in New Regime.

Other 80C / Sec 123 Investments (ELSS, PPF, LIC, HL Principal — Emp. PF auto-counted above)Combined with Employee PF above, max ₹1.5L total

Professional Tax (PT)
(Max ₹2,500. Varies by state)

National Pension System (NPS)

Self Contrib 80CCD(1B) / Sec 123?Max ₹50k

Employer NPS (80CCD2 / Sec 123)

Old Regime

New Regime

Auto-calculated from % entered above

✔ Total NPS Exempt

Old Regime

New Regime

Sec 80CCD / Sec 123 limits applied

Sec 80D / Sec 124: Health Insurance

Self & Family Premium (Max ₹25k / ₹50k Seniors)Limit: ₹25,000

Preventive CheckupOverall Limit: ₹5,000

✔ Accepted Self Limit

Parents Premium (Max ₹25k / ₹50k Seniors)

Parents AgeLimit: ₹25,000

✔ Accepted Parents

💳 Employer-Recovered Charges (Deducted from salary — not a tax deduction)

💡 Some employers recover costs like parking, phone, canteen, or club membership directly from salary. These reduce your bank credit but are not tax deductions — they don't affect taxable income. Enter monthly amounts below.

🚗 Parking Charges (per month)

📱 Phone / Internet Recovery (per month)

🍽️ Canteen / Meal Recovery (per month)

🏢 Club / Gym / Other Recovery (per month)

Total Annual Recovery:

Family Pension Received ? Deduction = Lower of ₹25,000 or 1/3rd of pension. Available in both regimes.

Sec 80CCH — Agniveer Corpus Fund ? Own + Govt matching contribution. Available in both regimes. (Agniveer scheme only)

Other Deductions (Old Regime Only)

Education Loan Interest (80E / Sec 125)? No upper limit. Old Regime only.

Eligible Donations (80G / Sec 126)? Enter the eligible exempt portion only.

Gross Rental Income (House Property)? Net taxable = 70% of gross. Applies to both regimes.

Savings A/c Interest (80TTA / Sec 127 applies)

FD / Dividend Income

Special Rate Income

Short Term Cap. Gains (Equity @ 20%)

Long Term Cap. Gains (Equity @ 12.5% > 1.25L)

LTCG Property (@ 12.5%)

Crypto / Lottery (@ 30%)

Capital Loss Set-Off

Carried-Forward Long-Term Capital Loss (LTCL) ? Standard Rule: LTCL can only offset LTCG (equity first, then property). Cannot offset STCG. Enter carried-forward long-term losses from prior years.

STCL Carried Forward

🔍

Advisory Corner

Tax Optimization Scanner

📊 Regime Comparison — Final Tax Payable

🥧 CTC Distribution (Best Regime)

Loading verdict...

📑 Detailed Tax Computation — Old vs New Regime

Tax Component Details	Old Regime	New Regime
[+] 1. Gross Salary Income = Basic + HRA + Bonus/Incentive + Special Allow. + FBP ± Retirals Excess (if any) \| ↳ Expand to see why Gross Salary < CTC (Emp. PF & NPS flow to fund trusts)	₹0	₹0
↳ Basic Pay	₹0
↳ HRA Received	₹0
↳ Bonus / Incentive	₹0
↳ Taxable Special Allowance	₹0	₹0
↳ Total FBP Allocations	₹0	₹0
↳ Retirals Excess over ₹7.5L cap (Taxable Perquisite) ?	+ ₹0	+ ₹0
↳ (−) Employer PF + NPS → Fund Trusts ? Gross Salary = CTC minus this amount. This is the CTC→Salary bridge.	- ₹0	- ₹0
[+] 2. Section 10 Exemptions	- ₹0	- ₹0
↳ Employer PF Exempt (Sec 10(12) / Sec 10)	- ₹0	- ₹0
↳ 44ADA Presumptive Exp. (50% of Receipts)	- ₹0	- ₹0
↳ HRA Exemption	- ₹0	Not Applicable
↳ Meal Exemption (Sec 10)	- ₹0	- ₹0
↳ Education Exemption (Sec 10)	- ₹0	Not Applicable
↳ Driver / Fuel / Mob Exemption	- ₹0	- ₹0
↳ Leave Travel Allowance (LTA)	- ₹0	Not Applicable
[+] 3. Total Deductions	- ₹0	- ₹0
↳ Standard Deduction	- ₹50,000	- ₹75,000
↳ Professional Tax (PT)	- ₹0	- ₹0
↳ Employer NPS (80CCD2 / Sec 123)	- ₹0	- ₹0
↳ Self NPS (80CCD1B / Sec 123)	- ₹0	- ₹0
↳ Employee Own PF / VPF (80C / Sec 123) ?	- ₹0	- N/A
↳ Other 80C / Sec 123 & Sec 80D / Sec 124 ?	- ₹0	- ₹0
↳ Sec 80TTA / Sec 127 / Home Loan Int.	- ₹0	- ₹0
↳ Sec 80E / Sec 125 & 80G / Sec 126	- ₹0	- N/A
↳ Family Pension Deduction ?	- ₹0	- ₹0
↳ Sec 80CCH (Agniveer Corpus Fund)	- ₹0	- ₹0
↳ 💳 Employer Recoveries ?	- ₹0 (post-tax, bank only)
[+] 4. Net Taxable Income	₹0	₹0
↳ Add: Other Income (Int/Div)	₹0	₹0
↳ Net House Property Income	₹0	₹0
[+] 5. Tax Slab Breakdown	₹0	₹0
↳ Tax @ 5% Slab Old: ₹2.5L – ₹5L \| New: ₹4L – ₹8L	₹0	₹0
↳ Tax @ 10% Slab Old: Not applicable \| New: ₹8L – ₹12L	-	₹0
↳ Tax @ 15% Slab Old: Not applicable \| New: ₹12L – ₹16L	-	₹0
↳ Tax @ 20% Slab Old: ₹5L – ₹10L \| New: ₹16L – ₹20L	₹0	₹0
↳ Tax @ 25% Slab Old: Not applicable \| New: ₹20L – ₹24L	-	₹0
↳ Tax @ 30% Slab Old: Above ₹10L \| New: Above ₹24L	₹0	₹0
↳ Tax on Capital Gains	₹0	₹0
(+) Surcharge (if > ₹50L)?	+ ₹0	+ ₹0
(+) Health & Edu Cess (4%)	+ ₹0	+ ₹0
Total Annual Tax Payable (Surcharge & Marginal Relief Applied)	₹0	₹0
Estimated Monthly Tax (TDS)	₹0	₹0

🏠 Intelligent HRA Breakdown (Old Regime) — 8 Metro Cities @ 50% from Tax Year 2026-27

💵 Monthly Cash Flow Simulation

Enterprise Tax Advisor — Tax Year 2026-27

Advisory Corner

Tax Projection & Optimization Report

📊 Regime Comparison — Final Tax Payable

🥧 CTC Distribution (Best Regime)

📑 Detailed Tax Computation — Old vs New Regime

🏠 Intelligent HRA Breakdown (Old Regime) — 8 Metro Cities @ 50% from Tax Year 2026-27

💵 Monthly Cash Flow Simulation