Free tool by USR INFOTECH · Powered by USR AppsIncome tax and monthly TDS calculator
Enter yearly pay and your deductions. See the tax under the old and the new regime side by side, which one costs less, and the monthly TDS for the months left in the year.
- Choosing a tax regime in April
- Checking the TDS on a payslip
- Planning a raise or a new offer
Pay and deductions (₹ a year)
Old regime only
TDS this year
Tax, both regimes
General information, not legal or tax advice. Rules change and differ by state; check with your CA or labour consultant before you act. Everything you type stays in your browser.
Made for people like you
How to use it
- Enter your yearly gross salary and age.
- Add deductions for the old regime.
- Read both taxes, the better regime and the monthly TDS.
Good to know
Two regimes
The new regime has lower rates and few deductions. The old regime has higher rates but lets you deduct HRA, 80C, 80D, home loan interest and more. Employers deduct TDS on the regime you choose.
Standard deduction
₹75,000 under the new regime and ₹50,000 under the old regime, for salaried people and pensioners.
Rebate
No tax up to ₹12 lakh taxable income in the new regime, and up to ₹5 lakh in the old regime, for residents. Just above ₹12 lakh, the tax cannot exceed the income above ₹12 lakh (marginal relief).
Not included
Surcharge relief near the surcharge limits, capital gains, other income, and non-resident rules. Use the tax filing portal or your CA for those.
Tax year 2026-27
The Income-tax Act, 2025 applies from 1 April 2026 and calls the year a tax year. TDS on salary falls under section 392 of the new Act. Rates in this tool are the ones in force for FY 2026-27.
Questions people ask
Is it free? Do I need to sign up?
Yes, it is free and you do not need to sign up. Open it and use it as often as you like.
Is my data safe?
The numbers are worked out in your browser. Nothing you type is sent to USR unless you choose to email yourself the result.
How accurate is the result?
It is an estimate based on the rules shown on this page as of November 2026, not legal or tax advice. Rules and rates change, so check with your CA before you act.
Which regime should I pick?
The one with the lower total tax in this tool. Higher deductions usually favour the old regime.
Is my data saved?
No. Everything stays in your browser.
TDS worked out for every employee, every month
USR Payroll (add-on, India, by invitation) takes each employee's regime and declarations, deducts the right TDS each month and prepares the salary TDS returns.
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