Question 1

Up to what salary is there no tax?

Accepted Answer

Under the new regime, taxable income up to ₹12 lakh pays no tax because of the rebate. With the ₹75,000 standard deduction that is a salary of about ₹12.75 lakh.

Question 2

Which regime is better for me?

Accepted Answer

The new regime usually wins unless you claim large deductions such as HRA on high rent, 80C and home-loan interest. The calculator shows both.

Question 3

Why is my in-hand less than CTC ÷ 12?

Accepted Answer

CTC includes the employer’s PF. From the rest, your own PF, professional tax and income tax are deducted.