Step 1
Estimate new-regime tax
Establish the baseline tax estimate before comparing individual deductions.
Use Tax Year 2026-27 figures and verify salary components against documents.
Save the estimate and note the tax year.
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Guided plan
Tax planning journey
Calculate the applicable new-regime estimate, check HRA eligibility, inventory legacy Section 80C-style savings, and review NPS rules without treating tax saving as the only goal.
Outcome
A Tax Year 2026-27 estimate and a documented list of assumptions to verify.
Your local progress
0/4 steps1. Estimate new-regime tax
2. Check HRA eligibility
3. Inventory tax-saving assets
4. Review NPS separately
Progress is stored only in this browser and can be cleared from any calculator or the homepage.
Work in sequence
Four decisions, one connected plan
Each calculator opens with journey progress attached. Save useful scenarios locally, then use Continue to move to the next decision.
Step 2
Check HRA eligibility
HRA treatment depends on eligibility, salary components, rent, and city classification.
Use annual values from payroll and rent records.
Verify eligibility before relying on the exemption estimate.
Open calculator Step 3
Inventory tax-saving assets
Avoid duplicate counting and separate existing commitments from new investments.
List EPF, PPF, eligible insurance, principal repayment, and other applicable items.
Review product suitability separately from the tax benefit.
Open calculator Step 4
Review NPS separately
NPS is a long-term retirement product with sector-specific exit and withdrawal rules.
Compare the tax objective with retirement liquidity needs.
Verify current rules before contributing for tax reasons.
Open calculator Sources and review
Owned by Wealth Planner editorial. Last reviewed 10 July 2026. Calculator results remain educational estimates.