Calculate your real take-home annual salary increase with accurate FY 2025-26 tax slabs. Support for New/Old Tax Regime and RI/NRI. Includes 5-year projection and CTC breakdown.
About Accuracy
For Indian Residents (ROR) earning overseas bank interest. NRIs: Your foreign interest is NOT taxable in India — use this calculator to see ₹0 Indian tax result. About Accuracy: This calculator uses FY 2025-26 tax rules including Section 5(1) (global income), Section 91 (Foreign Tax Credit), and New Regime slabs with surcharge and 4% cess. For methodology details, see our Accuracy & Limitations page.
About This Calculator
This salary increment calculator is designed for FY 2025-26 (AY 2026-27) with accurate tax slab calculations. It helps you:
✓ Calculate exact salary increment with accurate percentage
✓ Compare New vs Old Tax Regime tax impact
✓ Calculate tax for Resident Indian (RI) and NRI separately
✓ See real take-home increase after taxes
✓ Project 5-year salary growth with cumulative tax impact
✓ View CTC breakdown (Basic, HRA, DA, Medical, Bonus)
Key Features & Capabilities
✓ Accurate Tax Calculations
- →New Regime (7-tier slab)
- →Old Regime with standard deductions
- →NRI simplified 3-tier slab
- →Effective tax rate calculation
- →FY 2025-26 compliant slabs
📊 Advanced Features
- ×Quick increment buttons (+5%, +10%, etc.)
- ×5-year salary projection table
- ×CTC breakdown analysis
- ×Comparison of tax regimes
- ×Zero data storage (client-side only)
Important Disclaimer
Tax estimates exclude cess (4%), surcharge, and standard deductions. This calculator uses FY 2025-26 tax slabs for reference only. For accurate tax filing, please consult a Chartered Accountant (CA). Actual tax liability may differ based on individual circumstances, investments, and deductions.
Example: ₹60,00,000 → ₹96,00,000 (60% Hike)
Gross Annual Increment
₹36,00,000 (+60%)
Monthly Increment
₹3,00,000
New Regime (RI) Tax
₹10,80,000 (30% effective rate)
Old Regime (RI) Tax
₹10,80,000 (30% effective rate)
Net Take-Home Increase
₹25,20,000 - Your actual annual gain
💡 How to Use This Calculator Effectively
Step 1
Select your resident status (RI or NRI)
Step 2
Choose your tax regime (New by default, or Old if you have deductions)
Step 3
Enter old and new monthly salary
Step 4
Review the tax impact and net take-home increase
Step 5
Use 5-year projection to plan long-term
Step 6
Consult a CA to finalize tax estimates (this excludes cess, surcharge, etc.)
Tax Slabs Reference (FY 2025-26 / AY 2026-27)
| Income Range | New Regime | Old Regime |
|---|
| ₹0 - ₹2.5L / ₹4L | 0% | 0% |
| ₹2.5L - ₹4L / ₹5L - ₹8L | 0% / 5% | 5% |
| ₹4L - ₹8L / ₹5L - ₹10L | 5% | 20% |
| ₹8L - ₹12L | 10% | 30% |
| ₹12L - ₹16L | 15% | 30% |
| ₹16L - ₹20L | 20% | 30% |
| ₹20L - ₹24L | 25% | 30% |
| ₹24L+ | 30% | 30% |
Tax Components Reference
87A Rebate (Resident Only)
New: ₹60,000 if income ≤ ₹12L | Old: ₹12,500 if income ≤ ₹5L
Surcharge
10% (₹50L-₹1Cr) | 15% (₹1Cr-₹2Cr) | 25% (₹2Cr-₹5Cr) | 37% (>₹5Cr)
Health & Education Cess
4% on (Income Tax + Surcharge)
Important Disclaimer
This calculator is for FY 2025–26 (AY 2026–27) salary-only estimation using official CBDT slab/surcharge/cess rules. It does not cover: Special-rate income (capital gains, dividend, etc.), DTAA relief or treaty benefits, Employer-specific exemptions beyond standard deduction, HRA exemption or other salary-specific deductions, Marginal relief edge cases or manual adjustments. For accurate tax filing, consult a Chartered Accountant or the Income Tax Department.
🔒 Privacy & Data Protection
All calculations happen locally in your browser. Your salary information never leaves your device.
- ✓Client-side processing: All calculations happen entirely in your browser
- ✓No data storage: We don't save or collect any salary information
- ✓No logging: Your calculations are not tracked or logged
- ✓No transmission: Your salary data never reaches our servers
- ✓100% Private: This calculator is completely private and secure
- ✓HTTPS secure: Website uses encryption for your safety
Since all processing happens on your device, your salary and financial information never leave your computer. No third parties have access to your data.
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What is the difference between New and Old Tax Regime?
New Regime: Lower tax rates but no deductions (80C, 80D, etc.). Best for those with few investments. Old Regime: Higher rates but allows deductions. Best for those with 80C investments, home loans, etc. From FY 2023-24, New Regime is default. Choose based on your deductions.
Who are NRI (Non-Resident Indian) for tax purposes?
NRI status is determined by your physical presence in India and residence status. An NRI has a flat higher tax rate (20-35%) with no deductions allowed. Resident Indians (RI) get deductions and lower rates. Check with your tax consultant for your exact status.
What is the correct formula for calculating tax on increment?
This calculator uses progressive tax slabs. Tax is calculated on your total annual income (old salary + increment), then compared to tax on old salary alone. The difference is tax on increment. This is more accurate than applying a flat rate.
Why does my take-home increase less than the gross increment?
Because taxes apply to the increment! As your salary increases, you move to higher tax slabs. The effective tax rate on your increment could be 20-30% or higher. That's why we show both gross and net take-home amounts.
What is the 5-year projection based on?
The 5-year projection assumes a 5% annual increment on your new salary. It shows how your salary and taxes grow over time. You can verify the tax calculations using this table and the tax slab reference provided.
Is my salary data stored or shared?
No! All calculations happen entirely in your browser (client-side). We don't store, collect, transmit, or share any of your salary data. This calculator is 100% private.
How do I calculate real salary increase after tax?
Calculate real salary increase by finding the difference between new and old take-home pay after deducting applicable income tax. This calculator applies FY 2025-26 tax slabs, standard deductions, cess, and surcharge based on your residential status (resident or NRI) and tax regime choice.
How is NRI salary taxed differently in India?
NRI is taxed on income earned in India or received in India during the financial year. Income earned abroad and not remitted to India is not taxable. NRI status is determined based on residency rules. Taxable income is taxed at applicable slab rates after deductions.
What are the FY 2025-26 income tax slabs in India?
FY 2025-26 tax slabs vary based on age and tax regime. New Tax Regime: 0-30% progressively on income above ₹4 lakh (with standard deduction). Old Tax Regime: 0-30% progressively with various exemptions and deductions. Standard deduction is ₹75,000 for New Regime and ₹50,000 for salaried under Old Regime.
