Tax Saving by Salary — FY 2025-26
Pick your CTC to see your current tax bill, all deduction options under 80C, NPS, health insurance, HRA, and home loans — and exactly how much you can save.
Current Tax
Exact tax under new and old regime
80C Benefits
ELSS, PPF, NSC, LIC and more
NPS Savings
Extra ₹50,000 under 80CCD(1B)
Health Insurance
80D for self and parents
HRA Exemption
Rent-based exemption calculation
Home Loan
Sec. 24(b) interest deduction
Popular CTC Slabs
Jump straight to a tax-saving guide for your salary.
Tax: ₹0
Save up to: ₹0
6 LPATax: ₹0
Save up to: ₹15,234
7 LPATax: ₹0
Save up to: ₹36,142
8 LPATax: ₹0
Save up to: ₹56,235
10 LPATax: ₹0
Save up to: ₹46,800
12 LPATax: ₹0
Save up to: ₹56,606
15 LPATax: ₹87,223
Save up to: ₹70,200
20 LPATax: ₹1,75,168
Save up to: ₹70,200
25 LPATax: ₹2,92,553
Save up to: ₹70,200
30 LPATax: ₹4,39,371
Save up to: ₹70,200
40 LPATax: ₹7,40,789
Save up to: ₹70,200
50 LPATax: ₹10,42,204
Save up to: ₹70,200
All CTC Slabs
- 1 LPA
- 2 LPA
- 3 LPA
- 3.5 LPA
- 4 LPA
- 4.5 LPA
- 5 LPA
- 5.5 LPA
- 6 LPA
- 6.5 LPA
- 7 LPA
- 7.5 LPA
- 8 LPA
- 8.5 LPA
- 9 LPA
- 9.5 LPA
- 10 LPA
- 11 LPA
- 12 LPA
- 12.5 LPA
- 13 LPA
- 14 LPA
- 15 LPA
- 15.5 LPA
- 16 LPA
- 17 LPA
- 17.5 LPA
- 18 LPA
- 19 LPA
- 20 LPA
- 21 LPA
- 22 LPA
- 22.5 LPA
- 23 LPA
- 24 LPA
- 25 LPA
- 26 LPA
- 27 LPA
- 28 LPA
- 29 LPA
- 30 LPA
- 31 LPA
- 32 LPA
- 33 LPA
- 34 LPA
- 35 LPA
- 36 LPA
- 37 LPA
- 38 LPA
- 39 LPA
- 40 LPA
- 41 LPA
- 42 LPA
- 43 LPA
- 44 LPA
- 45 LPA
- 46 LPA
- 47 LPA
- 48 LPA
- 49 LPA
- 50 LPA
- 51 LPA
- 52 LPA
- 53 LPA
- 54 LPA
- 55 LPA
- 56 LPA
- 57 LPA
- 58 LPA
- 59 LPA
- 60 LPA
How Tax Saving Works in India
India's income tax system lets salaried individuals reduce their taxable income through specific government-approved investments and expenses. The key deductions fall under Chapter VI-A of the Income Tax Act — most notably Section 80C, which gives a flat ₹1.5 lakh deduction for approved investments like PPF, ELSS, life insurance premiums, and the principal repayment of home loans.
Since FY 2023-24, the new tax regime is the default. It offers lower slab rates but removes most deductions. The old regime allows deductions but has higher rates — making it worth it only if your total deductions are large enough to offset the slab difference. This guide shows you both, for every salary level.