Tax Optimiser

Compare the old and new tax regimes, optimise Pluxee flexi benefits, and estimate your monthly in-hand salary. Updates in real time as you type.

Personal & dependents

Drives age-based slabs and the effective caps for 80D / 80DD / 80TTA / 80TTB.

Regular (under 60)
80DD is disabled when no dependent is selected. Severe disability raises the flat deduction from ₹75,000 to ₹1,25,000.

Compensation

Fixed and variable components of your CTC.

Pick the FY months when variable pay is paid out (1–12). Annual variable is split equally across the months you select; each payout triggers TDS re-projection.
From this month onwards, flexi exemptions enter the TDS projection and the corresponding amount is held back from monthly cash payroll.
When set, deductions used pre-verification are inflated by the boost below. From this month onwards, only your approved deductions count.
Sum of all over-declarations (e.g. 80C declared ₹1.5L, approved ₹1.22L → boost ₹27,466). Pre-verification, this much extra is treated as an exempt deduction in the TDS projection.

Statutory deductions

PF, professional tax and LWF. Affect taxable income and / or in-hand salary.

Counts towards your Section 80C limit (include it manually under 80C if you also have other 80C investments).
Many employers cap PF at the EPF wage ceiling (₹15,000/mo → ₹1,800 PF = ₹21,600/yr). Uncheck Auto and enter the actual amount from your payslip if your company uses the cap.
Section 16(iii) — deductible from salary in both regimes.
Reduces in-hand only. Not a tax deduction.

House Rent Allowance

HRA exemption applies only in the old regime; the new regime does not reduce taxable income for rent. You can still enter rent and HRA here — Regime comparison updates so you can see which structure is cheaper once rent is filled in.

Flexi benefits (Pluxee)

Cap each category at the maximum exempt limit. Items marked as taxable are added back to taxable income under the new regime.

Max ₹1,80,000 / year
Max ₹1,80,000 / year
Max ₹60,000 / year
Max ₹60,000 / year
Max ₹60,000 / year
Max ₹60,000 / year
Max ₹60,000 / year

Chapter VI-A deductions

Disabled in the new regime. Values are clamped to their statutory caps.

Max ₹1,50,000 / year · PF, PPF, ELSS, life insurance premium, tuition fees, home loan principal, etc.
Max ₹50,000 / year · Additional NPS contribution, over and above the 80C ceiling.
Effective cap ₹50,000 · Health insurance premium. Effective cap depends on whether self / parents are senior citizens.
Effective cap ₹0 · Maintenance of a dependent with disability: ₹75,000 (40–79%) or ₹1,25,000 (severe, 80%+). · Requires a dependent with disability
No statutory cap · Interest paid on higher-education loan. No statutory cap; up to 8 years.
Max ₹1,50,000 / year · Interest paid on a loan taken to buy an electric vehicle.
No statutory cap · Eligible donations to specified funds / charities (enter amount after 50% / 100% rule).
No statutory cap · Donations for scientific research or rural development.
Max ₹1,25,000 / year · Self-disability: ₹75,000 normal, ₹1,25,000 for severe (80%+) disability.
Max ₹10,000 / year · Interest on savings bank account (non-senior citizens).
Max ₹50,000 / year · Interest on deposits for senior citizens (mutually exclusive with 80TTA). · Only for senior citizens (60+)

Regime comparison

Side-by-side annual tax under each regime.

Old regime
₹3,02,515
Effective rate 15.28% · Taxable ₹15,94,600
New regime · best
₹1,65,776
Effective rate 8.37% · Taxable ₹17,97,000

Breakdown · New regime

How gross income flows to tax and in-hand.

ComponentAmount
Gross income (CTC)₹19,80,000
Employee PF (reduces taxable salary · new regime)− ₹1,08,000
Standard deduction− ₹75,000
HRA exemption− ₹0
Flexi exempt− ₹0
Chapter VI-A deductions− ₹0
Taxable income₹17,97,000
Tax (slabs)₹1,59,400
Health & education cess (4%)₹6,376
Total tax₹1,65,776

Employer PF and professional tax still affect monthly in-hand (payroll) but are not subtracted when computing new-regime taxable income, matching the official regime comparison tool.

Tax · ₹1,65,776Exemptions · ₹1,83,000Net in-hand · ₹16,31,224

Monthly in-hand · New regime

Averages from the per-month payroll schedule (projection-based TDS).

Avg regular month in-hand
₹1,19,748
Gross ₹1,50,000 − Tax ₹12,032 (avg)
Avg variable-month in-hand
₹1,99,051
Includes variable ₹90,000 − catch-up TDS ₹22,729 (avg)
Monthly deduction from cash payrollAmount
Employer PF (exempt CTC component)− ₹9,000
Employee PF− ₹9,000
Professional tax− ₹200
Labour Welfare Fund− ₹20
Flexi (held back, reimbursed against bills)− ₹0

Monthly schedule

TDS each month = (annual tax projected so far − TDS already paid) ÷ months remaining. Total deductions adds statutory (PF, PT, LWF) and flexi held back from cash payroll. Variable-month rows include the variable tranche and TDS catch-up at re-projection.

MonthGrossTDSTotal deductionsNet in-hand
Apr₹1,50,000₹10,695₹28,915₹1,21,085
May₹1,50,000₹10,695₹28,915₹1,21,085
Jun₹1,50,000₹10,695₹28,915₹1,21,085
Jul₹1,50,000₹10,695₹28,915₹1,21,085
Aug₹1,50,000₹10,695₹28,915₹1,21,085
Sep · variable₹2,40,000₹13,369₹31,589₹2,08,411
Oct₹1,50,000₹13,369₹31,589₹1,18,411
Nov₹1,50,000₹13,369₹31,589₹1,18,411
Dec₹1,50,000₹13,369₹31,589₹1,18,411
Jan₹1,50,000₹13,369₹31,589₹1,18,411
Feb₹1,50,000₹13,369₹31,589₹1,18,411
Mar · variable₹2,40,000₹32,089₹50,309₹1,89,691

These figures are illustrative and based on configurable slabs / limits in /config. Update them when the Finance Act changes. Not legal, financial, or tax advice — please consult a qualified professional before acting on these numbers.