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.

DomainIndia SpecificStandardFinance Act 2025 · IT Act 1961Versionv1.0.0Added2026-05-17
Inputs
Basic Salary · Annual₹
HRA · Annual₹
Special Allowance · Annual₹
Variable Pay / Bonus · Annual₹
Other Allowances · Annual₹
Rent Paid · Monthly₹
Actual rent paid. Set to 0 if you don't pay rent — HRA exemption becomes 0.
50% of basic exempt in metros, 40% elsewhere.
Flexi · Food Coupons · Annual₹
Capped at ₹26,400/year (₹50/meal × 22 working days × 12 months).
Flexi · Mobile + Internet · Annual₹
Capped at ₹12,000/year.
Flexi · Uniform Allowance · Annual₹
Capped at ₹12,000/year.
Flexi · Professional Development · Annual₹
Books, courses, conferences. Capped at ₹24,000/year.
Flexi · LTA · Annual₹
Old regime only. Capped at ₹20,000/year typical.
Flexi · NPS Employer Contribution% of basic
Old regime cap 10% of basic. New regime cap 14% of basic.
80C · Annual (PPF, ELSS, LIC, EPF…)₹
Hard-capped at ₹1,50,000 by law.
80D · Health Insurance (Self+Family)₹
Capped at ₹25,000 (self), ₹50,000 if 60+.
80D · Health Insurance (Parents)₹
Capped at ₹50,000 if parents are senior citizens, else ₹25,000.
80CCD(1B) · NPS Self · Annual₹
Additional NPS deduction over and above 80C. Capped at ₹50,000.
24(b) · Home Loan Interest · Annual₹
Self-occupied property. Capped at ₹2,00,000.
Age
Below 60 → ₹2.5L basic exemption (old). 60–80 → ₹3L. Above 80 → ₹5L. New regime: ₹4L for everyone.
Result
version1.0.0standardFinance Act 2025 · IT Act 1961
POST /v1/india-specific/flexi-pay-tax-simulatorView API docs →
curl -X POST https://toolsamurai.com/api/v1/india-specific/flexi-pay-tax-simulator \
  -H "Authorization: Bearer sk_live_•••••••••••••••" \
  -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"
  }'
taxindiasalarytdsincome-taxold-regimenew-regimehra80cnps