India annual tax estimates

Open Tax declarations → Estimate annual tax when your workspace has payroll enabled. Active staff can compare their own entered projections; the tool does not load colleagues' pay or import reviewed declarations.

Choose the income period carefully: FY 2025–26 / AY 2026–27 uses the Income-tax Act, 1961; Tax Year 2026–27 uses the Income-tax Act, 2025. Select the age attained during that period. Enter full-year INR salary across employers, including taxable benefits and employer NPS, plus domestic taxable interest. Salary is not CTC or monthly take-home pay. Exclude genuine non-taxable business reimbursements.

Enter only otherwise eligible, documented deductions. The comparison applies salary-capped standard deductions, old-regime professional tax, the shared investment/annuity/employee-NPS pool, distinct additional personal NPS, separate family/parent insurance limits and age-dependent eligible deposit interest. Personal NPS allocations cannot exceed contributions paid or reuse the same payment. Qualifying pension salary means the eligible salary basis defined by the provision, not total CTC. Insurance inputs exclude cash premiums, checkups, medical expenditure and multi-year policies.

Add employer NPS separately for each employer, with its contribution, qualifying salary and Central/State Government status. A government-owned company is not automatically a government employer. The tool applies employer-specific percentage limits before aggregation and rejects salary bases/contributions exceeding the gross salary entered. Employer NPS remains distinct from employee NPS and PF.

Confirm both the supported income profile and deduction eligibility before comparing. The result shows each regime's admitted deductions, rounded income, slab tax, resident rebate, marginal relief, surcharge, cess and rounded annual liability, with period-specific legal references and a rule version. Changing any input removes the previous result; changing the period requires renewed confirmations. Switching workspace discards the private form. Inputs and results are not saved as payroll or declaration records.

Supported profiles are resident individuals with salary and domestic taxable interest only. HRA/LTA, property income/losses, dividends, capital gains, business/consultant income, agricultural or foreign income, pension withdrawals, arrears relief and unlisted deductions require later coverage. Do not use the estimate as a complete tax result if any of these apply.

This is an annual income-tax estimate before tax credits, interest and fees. It does not determine monthly salary TDS, PF/ESI, consultant withholding, GST, take-home pay or a refund; reserve/pay reimbursements; issue a certificate; or file a return. Manual evidence approval does not establish statutory eligibility automatically.

Official Form 16/130 issuance needs reconciled TDS statements, authorized TRACES retrieval and employer signing. ITR filing additionally needs an approved ERI or authorized provider, taxpayer consent, complete return data, year-specific validation and taxpayer verification. These integrations are not enabled. See the certificate and ITR integration research.

Rules were checked on 21 October 2026 against the Income Tax Department's individual guidance and the 2025 Act as amended by Finance Act 2026. The calculation is versioned by income period; later law changes require a new reviewed rule version.