How do I calculate my income tax in India?

Enter your annual salary, other income, TDS paid and deductions (80C, 80D etc.). SapTax calculates slab-wise tax under old & new regimes and shows final tax payable or refund.

Does SapTax support TDS and advance tax?

Yes. Enter TDS and optional advance tax paid. Final tax payable = total liability - TDS - advance tax; the app shows Tax to Pay or Refund Expected.

Which financial years does SapTax support?

SapTax supports FY 2024-25, FY 2025-26 (AY 2026-27), and FY 2026-27 (AY 2027-28) with correct slabs, 87A rebate with marginal relief, surcharge marginal relief at 50L/1Cr/2Cr/5Cr thresholds, and Budget 2025/2026 changes.

SapTax — Smart Income Tax Calculator (TDS & Forecast)

Financial Year & Regime

FY 2026‑27

FY 2025‑26

FY 2024‑25

Both

Old

New

Income Details

Enter total annual income from all sources (₹)

Your Age Salary / Pension

More Income Sources

House Property Income (₹) Capital Gains (₹) Business / Profession Income (₹) Other Income (₹)

Exemptions (Old Regime only)

Exemption Details

HRA Exemption (₹) min(actual HRA received, 50%/40% of basic salary, actual rent − 10% of basic) Leave Travel Allowance / LTA (₹) Other Salary Exemptions (₹)

Deductions

Old Regime: all deductions apply. New Regime: only Standard Deduction + 80CCD(2) employer NPS.

Standard Deduction — ₹75,000 (New Regime) / ₹50,000 (Old Regime)

80C — PPF, ELSS, LIC, EPF, home loan principal, tuition fees (max ₹1,50,000) 80D — Health Insurance Premium (₹) Self/family: ₹25k (₹50k if you are senior citizen). Additional: ₹25k for parents (₹50k if parents are senior). 24(b) — Home Loan Interest for Self-Occupied Property (max ₹2,00,000)

More Deductions

80E — Education Loan Interest (₹, no upper limit) 80CCD(1B) — Additional NPS Contribution by Self (max ₹50,000) 80CCD(2) — Employer NPS Contribution (Both Regimes, max 14% of salary) 80EEA — Affordable Housing Loan Interest (max ₹1,50,000) 80TTA / 80TTB — Savings Account Interest (₹) Non-seniors (80TTA): max ₹10,000. Senior citizens (80TTB): max ₹1,00,000 from FY 2025-26 (was ₹50,000 in FY 2024-25). 80G — Donations to Approved Funds / Institutions (₹)

TDS & Advance Tax

Net payable = Total Tax Liability − TDS − Advance Tax. A negative result means a refund.

TDS / Advance Tax Details

Tax Deducted at Source — TDS (₹) Advance Tax Paid (₹)

How to Use SapTax

SapTax – Smart Tax Calculator