Calculate your income tax liability, compare old vs new regime, estimate HRA exemption, and compute gratuity — all in seconds, all in one place. No signup, no complexity.
India's income tax system has two parallel regimes, complex exemptions (HRA, LTA, 80C, 80D), and statutory payouts like gratuity — each with its own rules. Most calculators give you a number without explaining how they got there.
Tax by Unifysy shows you the complete working — every deduction applied, every step of the calculation — so you understand your tax situation, not just the output. And it's entirely free, with no account needed.
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Built around Indian Income Tax Act provisions
Shows every step of the calculation transparently
Real-time calculations as you type your inputs
Enter your annual salary, applicable deductions, and tax regime to estimate your tax liability and monthly take-home pay.
Input your salary and deductions under both regimes simultaneously — the calculator shows you exactly which saves more and by how much.
Calculate your House Rent Allowance tax exemption under Section 10(13A) — based on city type (metro/non-metro), actual rent paid, and HRA received.
Estimate gratuity payable on resignation, retirement, or death-in-service — based on years of service and last drawn salary.
Since FY 2020-21, employees can choose between two parallel income tax regimes. The new regime is now the default. Here's what changes between them:
| Feature / Deduction | Old Regime | New Regime |
|---|---|---|
| Standard Deduction (₹75,000) | ✅ Yes | ✅ Yes (from FY 2024-25) |
| Section 80C (up to ₹1.5L) | ✅ Yes | ❌ Not available |
| HRA Exemption | ✅ Yes | ❌ Not available |
| LTA, Medical Allowance | ✅ Yes | ❌ Not available |
| Home Loan Interest (Section 24) | ✅ Yes | ❌ Not available |
| NPS Employer Contribution (Sec 80CCD(2)) | ✅ Yes | ✅ Yes (up to 14% of basic) |
| Tax Rates | Higher slabs | Lower slabs |
| Best for | Those with large deductions | Those with few deductions |
Input your annual CTC or basic pay, along with HRA received, special allowances, and bonus if applicable.
Enter 80C investments, health insurance premium, HRA rent paid, home loan interest, and NPS contributions.
Instantly see your tax liability under both regimes side by side — with the total savings shown clearly for each.
At the start of each FY, employees must inform their employer which regime to apply for TDS. Use the comparison calculator to make the right choice.
HR managers use the calculators to design CTC structures that maximise employee take-home pay within the applicable tax rules.
Finance teams estimate tax liability for budgeting payroll costs and calculating the right TDS amounts each month.
Startup founders draw salary from their own company — these tools help them structure it efficiently without a CA for every calculation.
It depends on your deductions. If your 80C, HRA, and home loan deductions total more than ₹3–4 lakh, the old regime often saves more. If you have few deductions (no home loan, renting with no HRA, minimal 80C investments), the new regime typically saves more due to lower rates. Use our comparison calculator to find out for your specific situation.
Salaried employees can switch regimes every financial year when filing their ITR. However, if you have business income, you can only switch once from new to old — not back and forth. Employers will ask you to declare your regime choice at the start of each financial year for TDS purposes.
HRA exemption is the minimum of: (1) Actual HRA received, (2) Rent paid minus 10% of basic salary, and (3) 50% of basic salary for metro cities or 40% for non-metro cities. Only the qualifying minimum is tax-exempt. Our HRA calculator computes all three automatically.
Gratuity received from a government employer is fully exempt from tax. For private sector employees covered under the Payment of Gratuity Act, gratuity up to ₹20 lakh is tax-exempt. For other private employees, the exemption is computed as the minimum of the actual amount, 15 days' salary × years of service, or ₹20 lakh.
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