Income Tax Calculator

Max 10% of basic salary (14% for central govt. employees). Available in both regimes.

Least of: (a) Actual HRA received  (b) Rent paid − 10% of basic  (c) 50% of basic (metro) or 40% (non-metro).

Domestic travel only. Allowed for 2 journeys per 4-year block; economy class airfare / AC1 rail fare is the limit.

Interest on home loan for self-occupied property capped at ₹2L. No cap for let-out property (enter actual interest paid).

Aggregate of Sec 80C + 80CCC + 80CCD(1) capped at ₹1,50,000. Includes PPF, ELSS, 5-yr FD, LIC premium, NSC, ULIP, home loan principal repayment, children's tuition fees.

Exclusively for NPS Tier-I account. This is over and above the ₹1.5L 80C ceiling — total additional saving up to ₹15,600 at 30% slab.

Employer's contribution to NPS. Not included in the ₹1.5L cap. Available in both Old and New regimes.

Combined 80D cap: up to ₹50,000 (both below 60), or ₹1,00,000 if both self and parents are senior citizens. Preventive health check-up (max ₹5,000) is included within these limits.

Interest paid on loan for higher education (self, spouse, children or student for whom you are legal guardian). Available for 8 years from first repayment year.

Enter the eligible deductible amount (50% or 100% of actual donation as applicable, e.g. PM CARES 100%, charitable trusts 50%). Max 10% of gross income for non-100% category.

Interest from savings accounts with banks, co-operative societies, and post offices. For senior citizens, use 80TTB instead (max ₹50,000).

Fixed deduction: ₹75,000 for ≥40% disability; ₹1,25,000 for ≥80% (severe) disability of a dependent family member.

Only if you do NOT receive HRA in salary. Least of: ₹5,000/month · 25% of total income · Rent paid − 10% of income.