Enter a gross salary and see every step: the medical exemption, the annual projection, each tax slab in turn, and what actually reaches your bank. The same arithmetic our payroll engine runs for real monthly payrolls.
| Slab | Your income in it | Rate | Tax |
|---|
An estimate, not advice. It assumes an even salary across the months shown, on FY 2026-27 salaried rates, with no other income, tax credits or reliefs. Your actual withholding also depends on what you have already been taxed this year and your employer's policy on medical allowance and provident fund — all of which the full engine handles month by month, and this page cannot know. Figures are rounded to the rupee.
| Annual taxable income | Rate on this band | Tax at the band's start |
|---|---|---|
| Up to 600,000 | 0% | — |
| 600,001 – 1,200,000 | 1% | — |
| 1,200,001 – 2,200,000 | 11% | ₨ 6,000 |
| 2,200,001 – 3,200,000 | 20% | ₨ 116,000 |
| 3,200,001 – 4,100,000 | 25% | ₨ 316,000 |
| 4,100,001 – 5,600,000 | 29% | ₨ 541,000 |
| 5,600,001 – 7,000,000 | 32% | ₨ 976,000 |
| Above 7,000,001 | 35% | ₨ 1,424,000 |
No high-income surcharge applies in FY 2026-27.
Because the medical allowance is exempt. The usual treatment makes basic pay gross ÷ 1.1, so the medical tenth is not taxed. Untick the box if your employer does not operate the exemption and the whole salary becomes taxable.
Yes, and usually in your favour. Tax is worked out on your income for the tax year, so joining in, say, November means your salary is annualised over eight months rather than twelve — which leaves less of it in the higher slabs, and lowers the monthly tax until the next July. Tick the joiner box and the calculator shows both figures.
In full, at your marginal rate — it has no exemption of its own. Because it lands on top of your salary, a large bonus can push part of your income into the next slab, which is why the calculator asks for it separately.
They are deductions from your pay rather than reliefs against tax here, so the calculator subtracts them from take-home without reducing taxable income. Both vary by employer, so untick either if it does not apply to you.
Not always, and the difference is the interesting part. A real payroll trues tax up across the whole year, taking account of what has already been withheld, mid-month joining and leaving, arrears, and one-off pay in the month it lands. This page assumes an even salary and no history — it is a good estimate, not a payslip.