India Specific · Finance Act 2025 · IT Act 1961
Flexi Pay Tax Simulator
Compare Old vs New tax regime for FY 2025-26 (Finance Act 2025). Handles HRA, flexi bucket (food, NPS, LTA, mobile, uniform, prof-dev), 80C/80D/80CCD1B/24B, 87A rebate and surcharge tiers. Returns total tax, monthly TDS, effective rate, and a regime pick.
Inputs
basic_annualRequirednumber (₹)Basic Salary · Annual
required · min 0 · max 100000000 · default 480000
required · min 0 · max 100000000 · default 480000
hra_annualnumber (₹)HRA · Annual
min 0 · max 100000000 · default 192000
min 0 · max 100000000 · default 192000
special_allowance_annualnumber (₹)Special Allowance · Annual
min 0 · max 100000000 · default 240000
min 0 · max 100000000 · default 240000
variable_pay_annualnumber (₹)Variable Pay / Bonus · Annual
min 0 · max 100000000 · default 120000
min 0 · max 100000000 · default 120000
other_allowances_annualnumber (₹)Other Allowances · Annual
min 0 · max 100000000 · default 0
min 0 · max 100000000 · default 0
rent_paid_monthlynumber (₹)Rent Paid · Monthly
min 0 · max 1000000 · default 15000
Actual rent paid. Set to 0 if you don't pay rent — HRA exemption becomes 0.
min 0 · max 1000000 · default 15000
Actual rent paid. Set to 0 if you don't pay rent — HRA exemption becomes 0.
is_metrobooleanMetro city (Mumbai/Delhi/Kolkata/Chennai)
default true
50% of basic exempt in metros, 40% elsewhere.
default true
50% of basic exempt in metros, 40% elsewhere.
food_couponsnumber (₹)Flexi · Food Coupons · Annual
min 0 · max 100000 · default 26400
Capped at ₹26,400/year (₹50/meal × 22 working days × 12 months).
min 0 · max 100000 · default 26400
Capped at ₹26,400/year (₹50/meal × 22 working days × 12 months).
mobile_internetnumber (₹)Flexi · Mobile + Internet · Annual
min 0 · max 100000 · default 12000
Capped at ₹12,000/year.
min 0 · max 100000 · default 12000
Capped at ₹12,000/year.
uniformnumber (₹)Flexi · Uniform Allowance · Annual
min 0 · max 100000 · default 0
Capped at ₹12,000/year.
min 0 · max 100000 · default 0
Capped at ₹12,000/year.
prof_developmentnumber (₹)Flexi · Professional Development · Annual
min 0 · max 100000 · default 24000
Books, courses, conferences. Capped at ₹24,000/year.
min 0 · max 100000 · default 24000
Books, courses, conferences. Capped at ₹24,000/year.
ltanumber (₹)Flexi · LTA · Annual
min 0 · max 1000000 · default 20000
Old regime only. Capped at ₹20,000/year typical.
min 0 · max 1000000 · default 20000
Old regime only. Capped at ₹20,000/year typical.
nps_employer_percentnumber (% of basic)Flexi · NPS Employer Contribution
min 0 · max 14 · default 10
Old regime cap 10% of basic. New regime cap 14% of basic.
min 0 · max 14 · default 10
Old regime cap 10% of basic. New regime cap 14% of basic.
section_80cnumber (₹)80C · Annual (PPF, ELSS, LIC, EPF…)
min 0 · max 200000 · default 150000
Hard-capped at ₹1,50,000 by law.
min 0 · max 200000 · default 150000
Hard-capped at ₹1,50,000 by law.
section_80d_selfnumber (₹)80D · Health Insurance (Self+Family)
min 0 · max 100000 · default 25000
Capped at ₹25,000 (self), ₹50,000 if 60+.
min 0 · max 100000 · default 25000
Capped at ₹25,000 (self), ₹50,000 if 60+.
section_80d_parentsnumber (₹)80D · Health Insurance (Parents)
min 0 · max 100000 · default 0
Capped at ₹50,000 if parents are senior citizens, else ₹25,000.
min 0 · max 100000 · default 0
Capped at ₹50,000 if parents are senior citizens, else ₹25,000.
section_80ccd1b_nps_selfnumber (₹)80CCD(1B) · NPS Self · Annual
min 0 · max 50000 · default 50000
Additional NPS deduction over and above 80C. Capped at ₹50,000.
min 0 · max 50000 · default 50000
Additional NPS deduction over and above 80C. Capped at ₹50,000.
home_loan_interest_24bnumber (₹)24(b) · Home Loan Interest · Annual
min 0 · max 1000000 · default 0
Self-occupied property. Capped at ₹2,00,000.
min 0 · max 1000000 · default 0
Self-occupied property. Capped at ₹2,00,000.
age_bracketenumAge
default "below_60" · one of: below_60, 60_to_80, above_80
Below 60 → ₹2.5L basic exemption (old). 60–80 → ₹3L. Above 80 → ₹5L. New regime: ₹4L for everyone.
default "below_60" · one of: below_60, 60_to_80, above_80
Below 60 → ₹2.5L basic exemption (old). 60–80 → ₹3L. Above 80 → ₹5L. New regime: ₹4L for everyone.
Outputs
comparison_tablestringOld vs New · Side-by-side
recommendation_summarystringVerdict
gross_incomenumber (₹)Gross Income
recommendationstringRecommended Regime
annual_savingsnumber (₹)Annual Savings
monthly_savingsnumber (₹)Monthly Savings
old_taxable_incomenumber (₹)Old · Taxable Income
old_total_taxnumber (₹)Old · Total Tax
old_monthly_tdsnumber (₹)Old · Monthly TDS
old_effective_ratenumber (%)Old · Effective Rate
new_taxable_incomenumber (₹)New · Taxable Income
new_total_taxnumber (₹)New · Total Tax
new_monthly_tdsnumber (₹)New · Monthly TDS
new_effective_ratenumber (%)New · Effective Rate
breakdown_tablestringDeductions Breakdown
fystringFinancial Year
Example request
curl -X POST https://toolsamurai.com/api/v1/india-specific/flexi-pay-tax-simulator \ -H "Authorization: Bearer sk_free_•••••••••••••••" \ -H "Content-Type: application/json" \ -d '{ "basic_annual": 480000, "hra_annual": 192000, "special_allowance_annual": 240000, "variable_pay_annual": 120000, "other_allowances_annual": 0, "rent_paid_monthly": 15000, "is_metro": true, "food_coupons": 26400, "mobile_internet": 12000, "uniform": 0, "prof_development": 24000, "lta": 20000, "nps_employer_percent": 10, "section_80c": 150000, "section_80d_self": 25000, "section_80d_parents": 0, "section_80ccd1b_nps_self": 50000, "home_loan_interest_24b": 0, "age_bracket": "below_60" }'
Example response
{ "ok": true, "tool": "flexi-pay-tax-simulator", "domain": "india-specific", "version": "1.0.0", "result": { "comparison_table": "…", "recommendation_summary": "…", "gross_income": …, "recommendation": "…", "annual_savings": …, "monthly_savings": …, "old_taxable_income": …, "old_total_tax": …, "old_monthly_tds": …, "old_effective_rate": …, "new_taxable_income": …, "new_total_tax": …, "new_monthly_tds": …, "new_effective_rate": …, "breakdown_table": "…", "fy": "…" }, "meta": { "latency_ms": …, "request_id": "req_…" } }