Tax Optimizer
Maximize your post-tax take-home income by applying legal exemption strategies.
FY 2026-27 (AY 2027-28)New Tax Regime
AI AdvisorSmart Tax Recommendations
Income & Profile
Annual Base Income (INR)Includes salary, bonuses, allowances, etc.
₹
Other Income (Optional)
₹
Select Regime
Deduction & Exemption Options
Total Exemptions
₹2,00,000
Tax Optimization Summary
Total Taxable Income
₹13,00,000
After exemptionsExemptions Claimed
₹2,00,000
Total deductionsTax Saved
₹23,400
Vs. no deductionsMarginal Tax Rate
20%
Your tax slabTotal Estimated Income Tax Liability
₹1,24,800
(Including Cess)Compare Scenario
Show without deductions
Without Deductions
₹1,48,200
With Deductions
₹1,24,800
You save ₹23,400 in taxes
Income Tax Breakup
Total Tax₹1,24,800
Income Tax (Before Cess)
₹1,20,000(95.0%)
Health & Education Cess (4%)
₹4,800(3.8%)
Surcharge
₹0(0.0%)
Rebate u/s 87A
₹0(0.0%)
Effective Tax Rate
Your effective tax rate
8.32%
(Total Tax / Total Income)Great! You are in an efficient tax bracket.
Smart InsightsInvesting ₹50,000 more in tax-saving instruments can save you up to ₹15,600 in additional taxes.
Need Help?Use AI Advisor to discover personalized tax-saving recommendations for your profile.
Disclaimer: This tool provides estimates based on current tax laws and may change.Always consult a tax professional for accurate advice.
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