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Numbers","heading":"Toll-Free Numbers","menu_link":{"url":"","text":""},"sub_menu":[{"title":"Customer","heading":"Customer","menu_link":{"url":"tel:18001036116","text":"1800-103-6116"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Agent","heading":"Agent","menu_link":{"url":"tel:18001032671","text":"1800-103-2671"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Buy Policy","heading":"Buy Policy","menu_link":{"url":"tel:18001037401","text":"1800-103-7401"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null}],"classes":0,"menu_style":0,"cta":null},{"title":"Contact Us","heading":"Contact Us","menu_link":{"url":"","text":""},"sub_menu":[{"title":"Service Request","heading":"Service Request","menu_link":{"url":"/contact-us/service-request","text":"/contact-us/service-request"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Branch Locator","heading":"Branch Locator","menu_link":{"url":"/contact-us/branches","text":"/contact-us/branches"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Reach Us","heading":"Reach Us","menu_link":{"url":"/reach-us","text":"/reach-us"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"Sales and Service","heading":"Sales and Service","menu_link":{"url":"/contact-us/sales-service-enquiry","text":"/contact-us/sales-service-enquiry"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null},{"title":"FAQ's","heading":"FAQ's","menu_link":{"url":"/contact-us/faq","text":"/contact-us/faq"},"sub_menu":[],"classes":0,"menu_style":0,"cta":null}],"classes":0,"menu_style":0,"cta":null}],"classes":"--extraMedium","menu_style":"Phone"}],"classes":0,"menu_style":0}]}],"headers":{"x-powered-by":["Express"],"x-frame-options":["SAMEORIGIN"],"content-type":["text/html; charset=utf-8"],"content-length":["23393"],"etag":["W/\"5b61-49JgA0zImQG7yseshhwVqUeVgus\""],"vary":["Accept-Encoding"],"date":["Fri, 20 Dec 2024 15:24:08 GMT"],"connection":["keep-alive"],"keep-alive":["timeout=5"]},"status":200,"statusText":"OK","url":"http://127.0.0.1:4000/api/v1/header","responseType":"json"},"4282087513":{"body":[{"title":"Income Tax Calculator","description":"\u003Cp>Income Tax Calculator\u003C/p>","heading":"Income Tax Calculator","plan_features_group":[{"title":"\u003Ca href=\"/node/33511\" hreflang=\"en\">Key Features and Benefits of Online Tax Calculator\u003C/a>","heading":"Key Features and Benefits of Online Tax Calculator","description":0,"features":[{"title":"Easy-to-use-calculator","heading":"Easy-to-use-calculator","sub":"","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-06/child-plan.svg","media_svg_alt":"child-plan","media_document":null}],"cta":null,"sub_heading":"\u003Cp>The benefits of an Online Income Tax Calculator are\u003C/p>\u003Cul>\u003Cli>Calculates your tax liability\u003C/li>\u003Cli>Free to use\u003C/li>\u003Cli>Easy-to-use interface\u003C/li>\u003Cli>Estimates the amount of tax owed to the government\u003C/li>\u003C/ul>"},{"title":"Experience the ease of utilisation at your convenience","heading":"Experience the ease of utilisation at your convenience","sub":"","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-04/discipline.svg","media_svg_alt":"Premium","media_document":null}],"cta":null,"sub_heading":"\u003Cp>An income tax calculator can be conveniently used from home, eliminating the need to step out. Accessible online, it ensures a hassle-free experience while calculating your income tax.\u003C/p>"},{"title":"Provides estimated tax expense and Comprehensive Information","heading":"Provides estimated tax expense and Comprehensive Information","sub":"","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-05/cashback-icon_1.svg","media_svg_alt":"cashback","media_document":null}],"cta":null,"sub_heading":"\u003Cp>Using an income tax calculator to estimate your tax payments helps you plan your finances ahead of time. This lets you manage your expenses and other financial needs without any trouble later on.\u003C/p>"},{"title":"Facilitates Advanced Expense Management","heading":"Facilitates Advanced Expense Management","sub":"","icon":[{"media_img":null,"media_svg":"https://cdn.shriramlife.com/slic-kalam/files/2023-05/component-growth-building_0.svg","media_svg_alt":"component-growth-building","media_document":null}],"cta":null,"sub_heading":"\u003Cp>By using an income tax calculator to estimate your tax payment, you can effectively plan your finances in advance. This allows you to manage your expenses and other financial requirements without any future hassle.\u003C/p>"}],"cta":null}],"intro_section":"\u003Ch2>What is an Income Tax Calculator?\u003C/h2>\u003Cp>An income tax calculator is an online tool that helps to estimate the income tax for FY24-25 (AY25-26) an individual should pay based on certain criteria, such as taxable income, eligible exemptions and deductions based on the investments made.\u003C/p>\u003Cp>Tax slabs and considerations can vary depending on the chosen tax regime. Use the ShriramLife Income Tax Calculator to get your tax assessment.\u003C/p>\u003Ch2>How does an Income Tax Calculator Operate?\u003C/h2>\u003Cp>An online income tax calculator operates by collecting various information, such as annual income, investments, and interest on loan repayment, if applicable. With the help of an online Income Tax calculator, individuals can estimate the total tax expense for the financial year. It is important to enter accurate data for the calculator to determine the estimated payable tax.\u003C/p>\u003Ch2>How can an Income Tax Calculator Help You?\u003C/h2>\u003Cp>An Online Income Tax Calculator can help an individual to calculate their taxable income. It also helps you to maximise your tax savings. \u003Cbr />An Online Income Tax Calculator helps you with the following.\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>To estimate tax liability:\u003C/strong> Shriram Life Income tax calculator helps you estimate the amount of tax you should pay for the financial year 2024-25 (assessment year 2025-26) based on your income, deductions and other factors.\u003C/li>\u003Cli>\u003Cstrong>Planning finances:\u003C/strong> An online tax calculator estimates tax liability and helps to plan finances accordingly.\u003C/li>\u003Cli>\u003Cstrong>Optimising deductions:\u003C/strong> Online Income Tax Calculator helps you understand how different deductions can impact your taxes, allowing you to optimize your tax-saving strategies.\u003C/li>\u003C/ul>","others":"\u003Ch2>80C (investments-related deductions)\u003C/h2>\u003Cp>Payment is made towards life insurance premiums, tax-saving FD with a lock-in period of 5 years, etc. The maximum amount you can claim under this section is INR 1.5 lakhs.\u003C/p>\u003Ch2>80D (deductions on medical premium)\u003C/h2>\u003Cp>Individuals paying health insurance premiums for themselves, their spouse, and their dependent children can avail deductions up to INR 25,000, with an additional deduction of INR 25,000 for their parents if their age is under 60. If the age is 60 or above, then the deduction amount is INR 50,000.\u003C/p>\u003Ch2>80DDB (medical treatment deduction)\u003C/h2>\u003Cp>Deduction on medical expenses incurred for yourself or your dependents. The maximum deductible amount is INR 40,000. However, in the case of a senior citizen, the maximum deductible amount is INR 1,00,000.\u003C/p>\u003Ch2>80E (interest on education loan)\u003C/h2>\u003Cp>Interest paid on education loans can be deducted. Individuals can claim for themselves, their spouse, and their children for whom the taxpayer is a legal guardian.\u003C/p>\u003Ch2>80GG (deduction for house rent paid)\u003C/h2>\u003Cp>The claims under this section are further classified into individuals receiving the HRA component and individuals who do not.\u003C/p>\u003Ch2>Individuals receiving the HRA component\u003C/h2>\u003Cp>For salaried persons who have taken a house on rent, this exemption is applicable for those individuals having an allocated HRA component in their salary not exceeding 50% of their basic salary. Additionally, one cannot claim the complete amount paid as a rental expense. The exemption will be based on the lowest of the options listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>HRA component allocated by the employer\u003C/li>\u003Cli>50% of the basic salary if a salaried person is living in a metropolitan city, 40% otherwise\u003C/li>\u003C/ul>\u003Ch4>Case Study 1\u003C/h4>\u003Cp>Ram is working in Chennai, a metropolitan city. He lives in a rented apartment that costs him INR 20,000 monthly. His basic salary is INR 40,000, and he receives INR 10,000 as an HRA component.\u003C/p>\u003Cdiv class=\"table__responsive\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted HRA value\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>HRA received\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>10,000 x 12 = 1,20,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>City component\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>2,40,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted HRA column is 1,20,000. So, Ram can claim for the deductions of INR 1,20,000. \u003Cbr />*Annual rent above INR 1 lakh requires the landlord’s PAN card for income tax filing.\u003C/p>\u003Ch4>Individuals not receiving HRA\u003C/h4>\u003Cp>For salaried/self-employed persons who do not receive house rent allowance (HRA) and have taken a house on rent. Similar to individuals receiving HRA and have taken a house on rent, one cannot claim the complete amount paid for rent. The exemption will be based on the lowest of the options \u003Cbr />listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>INR 60,000 yearly (INR 5000 per month) \u003C/li>\u003Cli>25% of total income.\u003C/li>\u003C/ul>\u003Ch4>Case study 2\u003C/h4>\u003Cp>Ram is a working professional. He lives in a rented apartment, which costs him INR 20,000 monthly. His yearly total income is INR 6 lakhs, and he does not receive an HRA component.\u003C/p>\u003Cdiv class=\"table__responsive\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted value for rent expensee\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>INR 5000 per month\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>60,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25% of total income\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25%*(6,00,000)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,50,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted value for rent expense column is 60,000. So, Ram can claim for the deductions of INR 60,000.\u003C/p>\u003Ch2>80TTA (accrued savings account’s interest)\u003C/h2>\u003Cp>For individuals and HUF aged under 60 with a maximum deduction of INR 10,000.\u003C/p>\u003Ch2>24(b) (interest paid on home loan)\u003C/h2>\u003Cp>An individual can claim up to INR 2 lakhs for the interest paid on a home loan in a financial year as loss from house property is limited to INR 2 Lakhs.\u003C/p>\u003Ch2>80CCD(1B) (deduction for additional NPS)\u003C/h2>\u003Cp>This is for an individual who invest in the National Pension Scheme. Apart from the exemption claimed under section 80C, deduction of Rs. 50k can be claimed additionally under this section.\u003C/p>\u003Ch2>80EEB (deductions for interest on EV loan)\u003C/h2>\u003Cp>For individuals who purchased EVs between 2019-2023. They can claim deductions of up to INR 1.5 lakhs.\u003C/p>","steps":[{"title":"Steps to Use Online Income Tax Calculator","heading":"Steps to Use Online Income Tax Calculator","description":"\u003Cp>It is very easy and simple to use the Shriram Life Online Income Tax Calculator.\u003C/p>","sub_heading":"","banner_image":[],"steps_info":[{"title":"Step 01","heading":0,"description":"\u003Cp>Enter the basic details on the website.\u003C/p>"},{"title":"Step 02","heading":0,"description":"\u003Cp>Enter the investment details.\u003C/p>"},{"title":"Step 03","heading":0,"description":"\u003Cp>Enter the Loan interest details.\u003C/p>"},{"title":"Step 04","heading":0,"description":"\u003Cp>With the provided information, the calculator will give you the Income tax you should pay under both the old and new tax regimes.\u003C/p>"}],"image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2024-08/step.webp?VersionId=nEG4sC8Gc3HUyq1XD46zPqyDZZ8S4Tsk","alt":"step.webp"},"media_svg":null,"media_svg_alt":"","media_document":null}],"cta":null}],"example":"\u003Ch2>Income Tax Calculations examples based on old and new tax regimes\u003C/h2>\u003Ch4>New tax regime\u003C/h4>\u003Cp>Under the new tax regime, income up to INR 7 lakh per annum is tax exempted. The income tax rates for the new regime are below.\u003C/p>\u003Cdiv class=\"table__responsive\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 3 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 3 LPA - INR 7 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 3 LPA \u003Cbr />(if net income is above INR 7 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 7 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>20,000 + 10% on income above INR 7 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 10 LPA - INR 12 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50,000 + 15% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>5.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 12 LPA - INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>80,000 + 20% on income above INR 12 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>6.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1.4 lakhs + 30% on income above INR 15 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 75,000 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 7,00,000.\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 6.5 lakhs, it falls within the 3–7 lakh slab of the new tax regime and is below the INR 7 lakh per annum threshold. In this case, you are not required to pay taxes to the income tax department. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your yearly income is 8.5 lakhs, it falls within the 7-10 lakh slab of the new tax regime and is above the INR 7 lakh threshold. Therefore, you are liable to pay income tax.\u003C/p>\u003Ch4>Old regime\u003C/h4>\u003Cp>Under the old tax regime, income up to INR 5 lakh per annum is tax exempted. Below are the income tax rates for the old regime.\u003C/p>\u003Cdiv class=\"table__responsive\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 2.5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 2.5 LPA - INR 5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 2.5 LPA \u003Cbr />(if net income is above INR 5 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 5 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>12,500 + 20% on income above INR 5 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,12,500 + 30% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 12,500 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 5,00,000\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 4 lakhs, it falls within the old tax regime's 2.5-5 lakh slab. In this case, you are not liable to pay the income tax. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your annual income is 7 lakhs and you have chosen the old tax regime, your income falls within the 5-10 lakh slab, exceeding the INR 5 lakh threshold, requiring you to pay tax.\u003C/p>","faq_group":[{"title":"FAQ Group - Income Tax Calculator","heading":"FAQ's on Income Tax Calculator","description":0,"faqs":[{"title":"What information do I need to use an Income Tax Calculator?","question":"\u003Cp>What information do I need to use an Income Tax Calculator?\u003C/p>","answer":"\u003Cp dir=\"ltr\">To use an Income Calculator, you will need details such as your income from various sources, interest paid on loans, tax-saving investments like life insurance premium receipts, and other relevant financial information.\u003C/p>"},{"title":"It is mandatory to use an Income Tax Calculator?","question":"\u003Cp>It is mandatory to use an Income Tax Calculator?\u003C/p>","answer":"\u003Cp>No, using an Income Tax Calculator is not mandatory, but it is a helpful tool in understanding your tax liability and planning your finances accordingly.\u003C/p>"},{"title":"Is an Income Tax Calculator accurate?","question":"\u003Cp>Is an Income Tax Calculator accurate?\u003C/p>","answer":"\u003Cp>An Income Tax Calculator can offer a near estimate of your tax liability, but it might not be entirely accurate. This is because the responses in the mandatory fields provided by a user can change over time. Hence, an advice from your tax consultant is recommended to understand the tax computation in detail.\u003C/p>"},{"title":"Can I use a Income Tax Calculator for any financial year?","question":"\u003Cp>Can I use a Income Tax Calculator for any financial year?\u003C/p>","answer":"\u003Cp>You can use the calculator to estimate tax liability for FY 24-25 or AY 25-26.\u003C/p>"},{"title":"What is the standard deduction under old tax regime for FY24-25?","question":"\u003Cp>What is the standard deduction under old tax regime for FY24-25?\u003C/p>","answer":"\u003Cp>Standard deduction of 50,000 for old tax regime is unchanged in the budget 2024. However, for new tax regime the standard deduction has been increased to 75,000 from 50,000.\u003C/p>"}],"field_fa_gp_breadcrumb":0,"breadcrumb":[]}],"plan_section":[{"title":"Shriram Life Insurance plans to save tax","heading":"Shriram Life Insurance plans to save tax","description":"","plan_type":[{"heading":"Shriram Life Early Cash Plan","description":"\u003Cp>\u003Cspan>The Shriram Life Early Cash Plan is a non-linked, participating, individual savings life Insurance plan that provides the twin benefits of insurance and savings.\u003C/span>\u003C/p>","image":[{"media_img":{"url":"https://cdn.shriramlife.com/slic-kalam/files/2023-06/premier-assured-benefits.webp","alt":"premier-assured-benefits"},"media_svg":null,"media_svg_alt":"","media_document":null}],"info_content":[],"cta":[{"url":"https://buy.shriramlife.com/OnlineInsurance/Retirement-Plans/Shriram-Life-Early-Cash-Plan/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D","text":"Buy Now"},{"url":"/life-insurance/early-cash-plan","text":"Know More"}]},{"heading":"Shriram Life Premier Assured Benefit","description":"\u003Cp>Shriram Life Premier Assured Benefit is a non-linked, non-participating earning plan to fulfil your future financial goals. 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Calculator\",\"menu_link\":{\"url\":\"/smoking-calculator\",\"text\":\"/smoking-calculator\"},\"sub_menu\":[],\"classes\":0,\"menu_style\":0,\"cta\":null},{\"title\":\"Human Life Value Calculator\",\"heading\":\"Human Life Value Calculator\",\"menu_link\":{\"url\":\"/hlv-calculator\",\"text\":\"/hlv-calculator\"},\"sub_menu\":[],\"classes\":0,\"menu_style\":0,\"cta\":null},{\"title\":\"Double Your Money Calculator\",\"heading\":\"Double Your Money Calculator\",\"menu_link\":{\"url\":\"/double-your-money-calculator\",\"text\":\"/double-your-money-calculator\"},\"sub_menu\":[],\"classes\":0,\"menu_style\":0,\"cta\":null},{\"title\":\"Savings Plans Calculator\",\"heading\":\"Savings Plans Calculator\",\"menu_link\":{\"url\":\"/savings-planner\",\"text\":\"/savings-planner\"},\"sub_menu\":[],\"classes\":0,\"menu_style\":0,\"cta\":null},{\"title\":\"Retirement Calculator\",\"heading\":\"Retirement 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Gachibowli,\u003C/span> \u003Cbr />\u003Cspan>Hyderabad-500032, India.\u003C/span>\u003C/p>\"},{\"title\":\"Helpline\",\"heading\":\"Helpline\",\"description\":\"\u003Cul>\u003Cli>\u003Ca href=\\\"tel:1800-103-5319\\\">Customer - 1800-103-6116\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\\\"tel:1800-103-2671\\\">Agent - 1800-103-2671\u003C/a>\u003C/li>\u003C/ul>\"}],\"social_media_group\":[{\"title\":\"Follow us on\",\"heading\":\"Follow us on\",\"social_media\":[{\"title\":\"Facebook - Follow us on\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/facebook.svg\",\"media_svg_alt\":\"facebook\",\"media_document\":null}],\"menu_link\":{\"url\":\"https://www.facebook.com/Shriramlife\",\"text\":\"https://www.facebook.com/Shriramlife\"}},{\"title\":\"Twitter - Follow us on\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-09/Twitter_X__1_%20%282%29.svg\",\"media_svg_alt\":\"twitter\",\"media_document\":null}],\"menu_link\":{\"url\":\"https://twitter.com/shriramlifeins\",\"text\":\"https://twitter.com/shriramlifeins\"}}]}],\"app_group\":[{\"title\":\"Download App\",\"heading\":\"Download App\",\"Apps\":[{\"title\":\"Download App - Android\",\"heading\":\"Android\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/android.svg\",\"media_svg_alt\":\"android\",\"media_document\":null}],\"menu_link\":{\"url\":\"https://play.google.com/store/apps/details?id=com.svs.slic\",\"text\":\"https://play.google.com/store/apps/details?id=com.svs.slic\"}}]}],\"copy_rights\":\"\u003Cp>© Shriram Life Insurance Co. Ltd. All the rights reserved. Registered with Insurance Regulatory & Development authority of India (IRDAI) as Life Insurance Company. Regn. No. 128. CIN: U66010TG2005PLC045616\u003C/p>\"}]","api/v1/meta-info/income-tax-calculator":"[{\"title\":\"Income Tax Calculator | Shriram Life Insurance\",\"description\":\"Get to know your income tax calculation using our innovative tool.\",\"keywords\":\"\",\"canonical\":\"\",\"url\":\"\",\"robots\":\"\",\"og_description\":\"\",\"og_image\":[],\"og_title\":\"\",\"og_type\":\"\",\"og_url\":\"\",\"twitter_card\":\"\",\"twitter_description\":\"\",\"twitter_image\":[],\"twitter_title\":\"\",\"twitter_url\":\"\"}]","http://127.0.0.1:4000/api/v1/meta-info/income-tax-calculator":"[{\"title\":\"Income Tax Calculator | Shriram Life Insurance\",\"description\":\"Get to know your income tax calculation using our innovative tool.\",\"keywords\":\"\",\"canonical\":\"\",\"url\":\"\",\"robots\":\"\",\"og_description\":\"\",\"og_image\":[],\"og_title\":\"\",\"og_type\":\"\",\"og_url\":\"\",\"twitter_card\":\"\",\"twitter_description\":\"\",\"twitter_image\":[],\"twitter_title\":\"\",\"twitter_url\":\"\"}]","api/v1/calculator-page/income-tax-calculator":"[{\"title\":\"Income Tax Calculator\",\"description\":\"\u003Cp>Income Tax Calculator\u003C/p>\",\"heading\":\"Income Tax Calculator\",\"plan_features_group\":[{\"title\":\"\u003Ca href=\\\"/node/33511\\\" hreflang=\\\"en\\\">Key Features and Benefits of Online Tax Calculator\u003C/a>\",\"heading\":\"Key Features and Benefits of Online Tax Calculator\",\"description\":0,\"features\":[{\"title\":\"Easy-to-use-calculator\",\"heading\":\"Easy-to-use-calculator\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-06/child-plan.svg\",\"media_svg_alt\":\"child-plan\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>The benefits of an Online Income Tax Calculator are\u003C/p>\u003Cul>\u003Cli>Calculates your tax liability\u003C/li>\u003Cli>Free to use\u003C/li>\u003Cli>Easy-to-use interface\u003C/li>\u003Cli>Estimates the amount of tax owed to the government\u003C/li>\u003C/ul>\"},{\"title\":\"Experience the ease of utilisation at your convenience\",\"heading\":\"Experience the ease of utilisation at your convenience\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/discipline.svg\",\"media_svg_alt\":\"Premium\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>An income tax calculator can be conveniently used from home, eliminating the need to step out. Accessible online, it ensures a hassle-free experience while calculating your income tax.\u003C/p>\"},{\"title\":\"Provides estimated tax expense and Comprehensive Information\",\"heading\":\"Provides estimated tax expense and Comprehensive Information\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-05/cashback-icon_1.svg\",\"media_svg_alt\":\"cashback\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>Using an income tax calculator to estimate your tax payments helps you plan your finances ahead of time. This lets you manage your expenses and other financial needs without any trouble later on.\u003C/p>\"},{\"title\":\"Facilitates Advanced Expense Management\",\"heading\":\"Facilitates Advanced Expense Management\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-05/component-growth-building_0.svg\",\"media_svg_alt\":\"component-growth-building\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>By using an income tax calculator to estimate your tax payment, you can effectively plan your finances in advance. This allows you to manage your expenses and other financial requirements without any future hassle.\u003C/p>\"}],\"cta\":null}],\"intro_section\":\"\u003Ch2>What is an Income Tax Calculator?\u003C/h2>\u003Cp>An income tax calculator is an online tool that helps to estimate the income tax for FY24-25 (AY25-26) an individual should pay based on certain criteria, such as taxable income, eligible exemptions and deductions based on the investments made.\u003C/p>\u003Cp>Tax slabs and considerations can vary depending on the chosen tax regime. Use the ShriramLife Income Tax Calculator to get your tax assessment.\u003C/p>\u003Ch2>How does an Income Tax Calculator Operate?\u003C/h2>\u003Cp>An online income tax calculator operates by collecting various information, such as annual income, investments, and interest on loan repayment, if applicable. With the help of an online Income Tax calculator, individuals can estimate the total tax expense for the financial year. It is important to enter accurate data for the calculator to determine the estimated payable tax.\u003C/p>\u003Ch2>How can an Income Tax Calculator Help You?\u003C/h2>\u003Cp>An Online Income Tax Calculator can help an individual to calculate their taxable income. It also helps you to maximise your tax savings. \u003Cbr />An Online Income Tax Calculator helps you with the following.\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>To estimate tax liability:\u003C/strong> Shriram Life Income tax calculator helps you estimate the amount of tax you should pay for the financial year 2024-25 (assessment year 2025-26) based on your income, deductions and other factors.\u003C/li>\u003Cli>\u003Cstrong>Planning finances:\u003C/strong> An online tax calculator estimates tax liability and helps to plan finances accordingly.\u003C/li>\u003Cli>\u003Cstrong>Optimising deductions:\u003C/strong> Online Income Tax Calculator helps you understand how different deductions can impact your taxes, allowing you to optimize your tax-saving strategies.\u003C/li>\u003C/ul>\",\"others\":\"\u003Ch2>80C (investments-related deductions)\u003C/h2>\u003Cp>Payment is made towards life insurance premiums, tax-saving FD with a lock-in period of 5 years, etc. The maximum amount you can claim under this section is INR 1.5 lakhs.\u003C/p>\u003Ch2>80D (deductions on medical premium)\u003C/h2>\u003Cp>Individuals paying health insurance premiums for themselves, their spouse, and their dependent children can avail deductions up to INR 25,000, with an additional deduction of INR 25,000 for their parents if their age is under 60. If the age is 60 or above, then the deduction amount is INR 50,000.\u003C/p>\u003Ch2>80DDB (medical treatment deduction)\u003C/h2>\u003Cp>Deduction on medical expenses incurred for yourself or your dependents. The maximum deductible amount is INR 40,000. However, in the case of a senior citizen, the maximum deductible amount is INR 1,00,000.\u003C/p>\u003Ch2>80E (interest on education loan)\u003C/h2>\u003Cp>Interest paid on education loans can be deducted. Individuals can claim for themselves, their spouse, and their children for whom the taxpayer is a legal guardian.\u003C/p>\u003Ch2>80GG (deduction for house rent paid)\u003C/h2>\u003Cp>The claims under this section are further classified into individuals receiving the HRA component and individuals who do not.\u003C/p>\u003Ch2>Individuals receiving the HRA component\u003C/h2>\u003Cp>For salaried persons who have taken a house on rent, this exemption is applicable for those individuals having an allocated HRA component in their salary not exceeding 50% of their basic salary. Additionally, one cannot claim the complete amount paid as a rental expense. The exemption will be based on the lowest of the options listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>HRA component allocated by the employer\u003C/li>\u003Cli>50% of the basic salary if a salaried person is living in a metropolitan city, 40% otherwise\u003C/li>\u003C/ul>\u003Ch4>Case Study 1\u003C/h4>\u003Cp>Ram is working in Chennai, a metropolitan city. He lives in a rented apartment that costs him INR 20,000 monthly. His basic salary is INR 40,000, and he receives INR 10,000 as an HRA component.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted HRA value\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>HRA received\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>10,000 x 12 = 1,20,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>City component\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>2,40,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted HRA column is 1,20,000. So, Ram can claim for the deductions of INR 1,20,000. \u003Cbr />*Annual rent above INR 1 lakh requires the landlord’s PAN card for income tax filing.\u003C/p>\u003Ch4>Individuals not receiving HRA\u003C/h4>\u003Cp>For salaried/self-employed persons who do not receive house rent allowance (HRA) and have taken a house on rent. Similar to individuals receiving HRA and have taken a house on rent, one cannot claim the complete amount paid for rent. The exemption will be based on the lowest of the options \u003Cbr />listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>INR 60,000 yearly (INR 5000 per month) \u003C/li>\u003Cli>25% of total income.\u003C/li>\u003C/ul>\u003Ch4>Case study 2\u003C/h4>\u003Cp>Ram is a working professional. He lives in a rented apartment, which costs him INR 20,000 monthly. His yearly total income is INR 6 lakhs, and he does not receive an HRA component.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted value for rent expensee\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>INR 5000 per month\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>60,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25% of total income\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25%*(6,00,000)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,50,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted value for rent expense column is 60,000. So, Ram can claim for the deductions of INR 60,000.\u003C/p>\u003Ch2>80TTA (accrued savings account’s interest)\u003C/h2>\u003Cp>For individuals and HUF aged under 60 with a maximum deduction of INR 10,000.\u003C/p>\u003Ch2>24(b) (interest paid on home loan)\u003C/h2>\u003Cp>An individual can claim up to INR 2 lakhs for the interest paid on a home loan in a financial year as loss from house property is limited to INR 2 Lakhs.\u003C/p>\u003Ch2>80CCD(1B) (deduction for additional NPS)\u003C/h2>\u003Cp>This is for an individual who invest in the National Pension Scheme. Apart from the exemption claimed under section 80C, deduction of Rs. 50k can be claimed additionally under this section.\u003C/p>\u003Ch2>80EEB (deductions for interest on EV loan)\u003C/h2>\u003Cp>For individuals who purchased EVs between 2019-2023. They can claim deductions of up to INR 1.5 lakhs.\u003C/p>\",\"steps\":[{\"title\":\"Steps to Use Online Income Tax Calculator\",\"heading\":\"Steps to Use Online Income Tax Calculator\",\"description\":\"\u003Cp>It is very easy and simple to use the Shriram Life Online Income Tax Calculator.\u003C/p>\",\"sub_heading\":\"\",\"banner_image\":[],\"steps_info\":[{\"title\":\"Step 01\",\"heading\":0,\"description\":\"\u003Cp>Enter the basic details on the website.\u003C/p>\"},{\"title\":\"Step 02\",\"heading\":0,\"description\":\"\u003Cp>Enter the investment details.\u003C/p>\"},{\"title\":\"Step 03\",\"heading\":0,\"description\":\"\u003Cp>Enter the Loan interest details.\u003C/p>\"},{\"title\":\"Step 04\",\"heading\":0,\"description\":\"\u003Cp>With the provided information, the calculator will give you the Income tax you should pay under both the old and new tax regimes.\u003C/p>\"}],\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/step.webp?VersionId=nEG4sC8Gc3HUyq1XD46zPqyDZZ8S4Tsk\",\"alt\":\"step.webp\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null}],\"example\":\"\u003Ch2>Income Tax Calculations examples based on old and new tax regimes\u003C/h2>\u003Ch4>New tax regime\u003C/h4>\u003Cp>Under the new tax regime, income up to INR 7 lakh per annum is tax exempted. The income tax rates for the new regime are below.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 3 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 3 LPA - INR 7 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 3 LPA \u003Cbr />(if net income is above INR 7 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 7 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>20,000 + 10% on income above INR 7 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 10 LPA - INR 12 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50,000 + 15% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>5.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 12 LPA - INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>80,000 + 20% on income above INR 12 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>6.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1.4 lakhs + 30% on income above INR 15 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 75,000 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 7,00,000.\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 6.5 lakhs, it falls within the 3–7 lakh slab of the new tax regime and is below the INR 7 lakh per annum threshold. In this case, you are not required to pay taxes to the income tax department. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your yearly income is 8.5 lakhs, it falls within the 7-10 lakh slab of the new tax regime and is above the INR 7 lakh threshold. Therefore, you are liable to pay income tax.\u003C/p>\u003Ch4>Old regime\u003C/h4>\u003Cp>Under the old tax regime, income up to INR 5 lakh per annum is tax exempted. Below are the income tax rates for the old regime.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 2.5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 2.5 LPA - INR 5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 2.5 LPA \u003Cbr />(if net income is above INR 5 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 5 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>12,500 + 20% on income above INR 5 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,12,500 + 30% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 12,500 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 5,00,000\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 4 lakhs, it falls within the old tax regime's 2.5-5 lakh slab. In this case, you are not liable to pay the income tax. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your annual income is 7 lakhs and you have chosen the old tax regime, your income falls within the 5-10 lakh slab, exceeding the INR 5 lakh threshold, requiring you to pay tax.\u003C/p>\",\"faq_group\":[{\"title\":\"FAQ Group - Income Tax Calculator\",\"heading\":\"FAQ's on Income Tax Calculator\",\"description\":0,\"faqs\":[{\"title\":\"What information do I need to use an Income Tax Calculator?\",\"question\":\"\u003Cp>What information do I need to use an Income Tax Calculator?\u003C/p>\",\"answer\":\"\u003Cp dir=\\\"ltr\\\">To use an Income Calculator, you will need details such as your income from various sources, interest paid on loans, tax-saving investments like life insurance premium receipts, and other relevant financial information.\u003C/p>\"},{\"title\":\"It is mandatory to use an Income Tax Calculator?\",\"question\":\"\u003Cp>It is mandatory to use an Income Tax Calculator?\u003C/p>\",\"answer\":\"\u003Cp>No, using an Income Tax Calculator is not mandatory, but it is a helpful tool in understanding your tax liability and planning your finances accordingly.\u003C/p>\"},{\"title\":\"Is an Income Tax Calculator accurate?\",\"question\":\"\u003Cp>Is an Income Tax Calculator accurate?\u003C/p>\",\"answer\":\"\u003Cp>An Income Tax Calculator can offer a near estimate of your tax liability, but it might not be entirely accurate. This is because the responses in the mandatory fields provided by a user can change over time. Hence, an advice from your tax consultant is recommended to understand the tax computation in detail.\u003C/p>\"},{\"title\":\"Can I use a Income Tax Calculator for any financial year?\",\"question\":\"\u003Cp>Can I use a Income Tax Calculator for any financial year?\u003C/p>\",\"answer\":\"\u003Cp>You can use the calculator to estimate tax liability for FY 24-25 or AY 25-26.\u003C/p>\"},{\"title\":\"What is the standard deduction under old tax regime for FY24-25?\",\"question\":\"\u003Cp>What is the standard deduction under old tax regime for FY24-25?\u003C/p>\",\"answer\":\"\u003Cp>Standard deduction of 50,000 for old tax regime is unchanged in the budget 2024. However, for new tax regime the standard deduction has been increased to 75,000 from 50,000.\u003C/p>\"}],\"field_fa_gp_breadcrumb\":0,\"breadcrumb\":[]}],\"plan_section\":[{\"title\":\"Shriram Life Insurance plans to save tax\",\"heading\":\"Shriram Life Insurance plans to save tax\",\"description\":\"\",\"plan_type\":[{\"heading\":\"Shriram Life Early Cash Plan\",\"description\":\"\u003Cp>\u003Cspan>The Shriram Life Early Cash Plan is a non-linked, participating, individual savings life Insurance plan that provides the twin benefits of insurance and savings.\u003C/span>\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-06/premier-assured-benefits.webp\",\"alt\":\"premier-assured-benefits\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[],\"cta\":[{\"url\":\"https://buy.shriramlife.com/OnlineInsurance/Retirement-Plans/Shriram-Life-Early-Cash-Plan/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/early-cash-plan\",\"text\":\"Know More\"}]},{\"heading\":\"Shriram Life Premier Assured Benefit\",\"description\":\"\u003Cp>Shriram Life Premier Assured Benefit is a non-linked, non-participating earning plan to fulfil your future financial goals. This flexible plan comes with two life covers and three flexible payout options.\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/assured-income-plan-new.webp?VersionId=PN9Rw3adVcK3e8CEJcn1yy59S8MYM2KH\",\"alt\":\"Shriram Life Premier Assured Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[{\"title\":\"Easy Claim Process\",\"heading\":\"Easy Claim Process\",\"sub\":\"Easy Claim Process\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/test1_7.PNG\",\"alt\":\"Death\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\"},{\"title\":\"Quick Disbursals\",\"heading\":\"Quick Disbursals\",\"sub\":\"Quick Disbursals\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/media-2.png\",\"alt\":\"contact\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\"},{\"title\":\"Hassle-Free Purchase\",\"heading\":\"Hassle-Free Purchase\",\"sub\":\"Hassle-Free Purchase\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/Screenshot_from_2023-03-16_14-07-37.png\",\"alt\":\"Tax\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":{\"url\":\"\",\"text\":\"View Plan\"},\"sub_heading\":\"\"}],\"cta\":[{\"url\":\"https://buy.shriramlife.com/OnlineInsurance/Savings-Plans/Shriram-Life-Premier-Assured-Benefit/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/premier-assured-benefit-plan\",\"text\":\"Know More\"}]},{\"heading\":\"Shriram Life Assured Advantage Plus\",\"description\":\"\u003Cp>The Shriram Life Assured Advantage Plus (UIN: 128N084V03) is a non-linked, non-participating, savings-oriented life insurance plan that helps create a corpus with insurance protection.\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/assured-advantage-plus.webp?VersionId=lAkFwnU7ANlPiTdQieQFZDfmumhRos6k\",\"alt\":\"Shriram Life Assured Advantage Plus\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[],\"cta\":[{\"url\":\"https://shriramlife.com/life-insurance/assured-advantage-plus\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/assured-advantage-plus\",\"text\":\"Know More\"}]}]}],\"breadcrumb\":[{\"slug\":\"/calculators\",\"label\":\"Calculators\"},{\"slug\":null,\"label\":\"Income Tax Calculator\"}],\"show_maintenance\":\"No\",\"calculator_consent\":\"\u003Cp>\u003Cspan>By submitting my details, I authorise Shriram Life Insurance and its representatives to contact via phone, SMS, whatsapp or email.\u003C/span>\u003C/p>\",\"field_suggested_plan_section\":33531,\"suggested_plan_section\":[{\"plan\":[{\"heading\":\"Shriram Life Assured Income Plan\",\"description\":\"\u003Cp>Shriram Life Assured Income Plan offers low premium payment plans, better benefits for higher premiums and life insurance coverage.\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/tax-deduction.svg?VersionId=q5NCooQmsn2ZlXOHBaxA3xRivznOiSw3\",\"alt\":\"tax-deduction\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[],\"cta\":[{\"url\":\"https://buy.shriramlife.com/OnlineInsurance/Savings-Plans/Shriram-Life-Assured-Income-Plan/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/assured-income-plan\",\"text\":\"Know More\"}]}],\"heading\":\"Want to save more TAX?\",\"title\":\"\u003Ca href=\\\"/node/33531\\\" hreflang=\\\"en\\\">Suggested Plan Section\u003C/a>\"}]}]","http://127.0.0.1:4000/api/v1/calculator-page/income-tax-calculator":"[{\"title\":\"Income Tax Calculator\",\"description\":\"\u003Cp>Income Tax Calculator\u003C/p>\",\"heading\":\"Income Tax Calculator\",\"plan_features_group\":[{\"title\":\"\u003Ca href=\\\"/node/33511\\\" hreflang=\\\"en\\\">Key Features and Benefits of Online Tax Calculator\u003C/a>\",\"heading\":\"Key Features and Benefits of Online Tax Calculator\",\"description\":0,\"features\":[{\"title\":\"Easy-to-use-calculator\",\"heading\":\"Easy-to-use-calculator\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-06/child-plan.svg\",\"media_svg_alt\":\"child-plan\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>The benefits of an Online Income Tax Calculator are\u003C/p>\u003Cul>\u003Cli>Calculates your tax liability\u003C/li>\u003Cli>Free to use\u003C/li>\u003Cli>Easy-to-use interface\u003C/li>\u003Cli>Estimates the amount of tax owed to the government\u003C/li>\u003C/ul>\"},{\"title\":\"Experience the ease of utilisation at your convenience\",\"heading\":\"Experience the ease of utilisation at your convenience\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/discipline.svg\",\"media_svg_alt\":\"Premium\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>An income tax calculator can be conveniently used from home, eliminating the need to step out. Accessible online, it ensures a hassle-free experience while calculating your income tax.\u003C/p>\"},{\"title\":\"Provides estimated tax expense and Comprehensive Information\",\"heading\":\"Provides estimated tax expense and Comprehensive Information\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-05/cashback-icon_1.svg\",\"media_svg_alt\":\"cashback\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>Using an income tax calculator to estimate your tax payments helps you plan your finances ahead of time. This lets you manage your expenses and other financial needs without any trouble later on.\u003C/p>\"},{\"title\":\"Facilitates Advanced Expense Management\",\"heading\":\"Facilitates Advanced Expense Management\",\"sub\":\"\",\"icon\":[{\"media_img\":null,\"media_svg\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-05/component-growth-building_0.svg\",\"media_svg_alt\":\"component-growth-building\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\u003Cp>By using an income tax calculator to estimate your tax payment, you can effectively plan your finances in advance. This allows you to manage your expenses and other financial requirements without any future hassle.\u003C/p>\"}],\"cta\":null}],\"intro_section\":\"\u003Ch2>What is an Income Tax Calculator?\u003C/h2>\u003Cp>An income tax calculator is an online tool that helps to estimate the income tax for FY24-25 (AY25-26) an individual should pay based on certain criteria, such as taxable income, eligible exemptions and deductions based on the investments made.\u003C/p>\u003Cp>Tax slabs and considerations can vary depending on the chosen tax regime. Use the ShriramLife Income Tax Calculator to get your tax assessment.\u003C/p>\u003Ch2>How does an Income Tax Calculator Operate?\u003C/h2>\u003Cp>An online income tax calculator operates by collecting various information, such as annual income, investments, and interest on loan repayment, if applicable. With the help of an online Income Tax calculator, individuals can estimate the total tax expense for the financial year. It is important to enter accurate data for the calculator to determine the estimated payable tax.\u003C/p>\u003Ch2>How can an Income Tax Calculator Help You?\u003C/h2>\u003Cp>An Online Income Tax Calculator can help an individual to calculate their taxable income. It also helps you to maximise your tax savings. \u003Cbr />An Online Income Tax Calculator helps you with the following.\u003C/p>\u003Cul>\u003Cli>\u003Cstrong>To estimate tax liability:\u003C/strong> Shriram Life Income tax calculator helps you estimate the amount of tax you should pay for the financial year 2024-25 (assessment year 2025-26) based on your income, deductions and other factors.\u003C/li>\u003Cli>\u003Cstrong>Planning finances:\u003C/strong> An online tax calculator estimates tax liability and helps to plan finances accordingly.\u003C/li>\u003Cli>\u003Cstrong>Optimising deductions:\u003C/strong> Online Income Tax Calculator helps you understand how different deductions can impact your taxes, allowing you to optimize your tax-saving strategies.\u003C/li>\u003C/ul>\",\"others\":\"\u003Ch2>80C (investments-related deductions)\u003C/h2>\u003Cp>Payment is made towards life insurance premiums, tax-saving FD with a lock-in period of 5 years, etc. The maximum amount you can claim under this section is INR 1.5 lakhs.\u003C/p>\u003Ch2>80D (deductions on medical premium)\u003C/h2>\u003Cp>Individuals paying health insurance premiums for themselves, their spouse, and their dependent children can avail deductions up to INR 25,000, with an additional deduction of INR 25,000 for their parents if their age is under 60. If the age is 60 or above, then the deduction amount is INR 50,000.\u003C/p>\u003Ch2>80DDB (medical treatment deduction)\u003C/h2>\u003Cp>Deduction on medical expenses incurred for yourself or your dependents. The maximum deductible amount is INR 40,000. However, in the case of a senior citizen, the maximum deductible amount is INR 1,00,000.\u003C/p>\u003Ch2>80E (interest on education loan)\u003C/h2>\u003Cp>Interest paid on education loans can be deducted. Individuals can claim for themselves, their spouse, and their children for whom the taxpayer is a legal guardian.\u003C/p>\u003Ch2>80GG (deduction for house rent paid)\u003C/h2>\u003Cp>The claims under this section are further classified into individuals receiving the HRA component and individuals who do not.\u003C/p>\u003Ch2>Individuals receiving the HRA component\u003C/h2>\u003Cp>For salaried persons who have taken a house on rent, this exemption is applicable for those individuals having an allocated HRA component in their salary not exceeding 50% of their basic salary. Additionally, one cannot claim the complete amount paid as a rental expense. The exemption will be based on the lowest of the options listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>HRA component allocated by the employer\u003C/li>\u003Cli>50% of the basic salary if a salaried person is living in a metropolitan city, 40% otherwise\u003C/li>\u003C/ul>\u003Ch4>Case Study 1\u003C/h4>\u003Cp>Ram is working in Chennai, a metropolitan city. He lives in a rented apartment that costs him INR 20,000 monthly. His basic salary is INR 40,000, and he receives INR 10,000 as an HRA component.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted HRA value\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>HRA received\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>10,000 x 12 = 1,20,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>City component\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>2,40,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted HRA column is 1,20,000. So, Ram can claim for the deductions of INR 1,20,000. \u003Cbr />*Annual rent above INR 1 lakh requires the landlord’s PAN card for income tax filing.\u003C/p>\u003Ch4>Individuals not receiving HRA\u003C/h4>\u003Cp>For salaried/self-employed persons who do not receive house rent allowance (HRA) and have taken a house on rent. Similar to individuals receiving HRA and have taken a house on rent, one cannot claim the complete amount paid for rent. The exemption will be based on the lowest of the options \u003Cbr />listed below.\u003C/p>\u003Cul>\u003Cli>10% of the basic salary deducted from the actual rent paid\u003C/li>\u003Cli>INR 60,000 yearly (INR 5000 per month) \u003C/li>\u003Cli>25% of total income.\u003C/li>\u003C/ul>\u003Ch4>Case study 2\u003C/h4>\u003Cp>Ram is a working professional. He lives in a rented apartment, which costs him INR 20,000 monthly. His yearly total income is INR 6 lakhs, and he does not receive an HRA component.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Yearly Particulars\u003C/p>\u003C/th>\u003Cth>\u003Cp>Rented expense\u003C/p>\u003C/th>\u003Cth>\u003Cp>Exempted value for rent expensee\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Rent paid - 10% of basic salary\u003C/p>\u003C/td>\u003Ctd>\u003Cp>(20,000 x 12) - 10%*(40,000*12)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,92,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>INR 5000 per month\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003Ctd>\u003Cp>60,000\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25% of total income\u003C/p>\u003C/td>\u003Ctd>\u003Cp>25%*(6,00,000)\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,50,000\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>The lowest amount in the exempted value for rent expense column is 60,000. So, Ram can claim for the deductions of INR 60,000.\u003C/p>\u003Ch2>80TTA (accrued savings account’s interest)\u003C/h2>\u003Cp>For individuals and HUF aged under 60 with a maximum deduction of INR 10,000.\u003C/p>\u003Ch2>24(b) (interest paid on home loan)\u003C/h2>\u003Cp>An individual can claim up to INR 2 lakhs for the interest paid on a home loan in a financial year as loss from house property is limited to INR 2 Lakhs.\u003C/p>\u003Ch2>80CCD(1B) (deduction for additional NPS)\u003C/h2>\u003Cp>This is for an individual who invest in the National Pension Scheme. Apart from the exemption claimed under section 80C, deduction of Rs. 50k can be claimed additionally under this section.\u003C/p>\u003Ch2>80EEB (deductions for interest on EV loan)\u003C/h2>\u003Cp>For individuals who purchased EVs between 2019-2023. They can claim deductions of up to INR 1.5 lakhs.\u003C/p>\",\"steps\":[{\"title\":\"Steps to Use Online Income Tax Calculator\",\"heading\":\"Steps to Use Online Income Tax Calculator\",\"description\":\"\u003Cp>It is very easy and simple to use the Shriram Life Online Income Tax Calculator.\u003C/p>\",\"sub_heading\":\"\",\"banner_image\":[],\"steps_info\":[{\"title\":\"Step 01\",\"heading\":0,\"description\":\"\u003Cp>Enter the basic details on the website.\u003C/p>\"},{\"title\":\"Step 02\",\"heading\":0,\"description\":\"\u003Cp>Enter the investment details.\u003C/p>\"},{\"title\":\"Step 03\",\"heading\":0,\"description\":\"\u003Cp>Enter the Loan interest details.\u003C/p>\"},{\"title\":\"Step 04\",\"heading\":0,\"description\":\"\u003Cp>With the provided information, the calculator will give you the Income tax you should pay under both the old and new tax regimes.\u003C/p>\"}],\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/step.webp?VersionId=nEG4sC8Gc3HUyq1XD46zPqyDZZ8S4Tsk\",\"alt\":\"step.webp\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null}],\"example\":\"\u003Ch2>Income Tax Calculations examples based on old and new tax regimes\u003C/h2>\u003Ch4>New tax regime\u003C/h4>\u003Cp>Under the new tax regime, income up to INR 7 lakh per annum is tax exempted. The income tax rates for the new regime are below.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 3 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 3 LPA - INR 7 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 3 LPA \u003Cbr />(if net income is above INR 7 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 7 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>20,000 + 10% on income above INR 7 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 10 LPA - INR 12 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>50,000 + 15% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>5.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 12 LPA - INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>80,000 + 20% on income above INR 12 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>6.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 15 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1.4 lakhs + 30% on income above INR 15 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 75,000 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 7,00,000.\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 6.5 lakhs, it falls within the 3–7 lakh slab of the new tax regime and is below the INR 7 lakh per annum threshold. In this case, you are not required to pay taxes to the income tax department. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your yearly income is 8.5 lakhs, it falls within the 7-10 lakh slab of the new tax regime and is above the INR 7 lakh threshold. Therefore, you are liable to pay income tax.\u003C/p>\u003Ch4>Old regime\u003C/h4>\u003Cp>Under the old tax regime, income up to INR 5 lakh per annum is tax exempted. Below are the income tax rates for the old regime.\u003C/p>\u003Cdiv class=\\\"table__responsive\\\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003Cp>S.no.\u003C/p>\u003C/th>\u003Cth>\u003Cp>Income Slabs\u003C/p>\u003C/th>\u003Cth>\u003Cp>Tax Rates (age up to 60 years)\u003C/p>\u003C/th>\u003C/tr>\u003C/thead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>1.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Till INR 2.5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Nil\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>2.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 2.5 LPA - INR 5 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>5% on the income above INR 2.5 LPA \u003Cbr />(if net income is above INR 5 LPA)\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>3.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Above INR 5 LPA - INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>12,500 + 20% on income above INR 5 LPA\u003C/p>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>\u003Cp>4.\u003C/p>\u003C/td>\u003Ctd>\u003Cp>Income above INR 10 LPA\u003C/p>\u003C/td>\u003Ctd>\u003Cp>1,12,500 + 30% on income above INR 10 LPA\u003C/p>\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/div>\u003Cp>A maximum rebate of Rs. 12,500 is allowed u/s 87A, if the total income of a resident individual, is up to Rs. 5,00,000\u003C/p>\u003Ch4>Scenario 1\u003C/h4>\u003Cp>If your yearly income is 4 lakhs, it falls within the old tax regime's 2.5-5 lakh slab. In this case, you are not liable to pay the income tax. However, filing a nil Income Tax Return (ITR) is recommended.\u003C/p>\u003Ch4>Scenario 2\u003C/h4>\u003Cp>If your annual income is 7 lakhs and you have chosen the old tax regime, your income falls within the 5-10 lakh slab, exceeding the INR 5 lakh threshold, requiring you to pay tax.\u003C/p>\",\"faq_group\":[{\"title\":\"FAQ Group - Income Tax Calculator\",\"heading\":\"FAQ's on Income Tax Calculator\",\"description\":0,\"faqs\":[{\"title\":\"What information do I need to use an Income Tax Calculator?\",\"question\":\"\u003Cp>What information do I need to use an Income Tax Calculator?\u003C/p>\",\"answer\":\"\u003Cp dir=\\\"ltr\\\">To use an Income Calculator, you will need details such as your income from various sources, interest paid on loans, tax-saving investments like life insurance premium receipts, and other relevant financial information.\u003C/p>\"},{\"title\":\"It is mandatory to use an Income Tax Calculator?\",\"question\":\"\u003Cp>It is mandatory to use an Income Tax Calculator?\u003C/p>\",\"answer\":\"\u003Cp>No, using an Income Tax Calculator is not mandatory, but it is a helpful tool in understanding your tax liability and planning your finances accordingly.\u003C/p>\"},{\"title\":\"Is an Income Tax Calculator accurate?\",\"question\":\"\u003Cp>Is an Income Tax Calculator accurate?\u003C/p>\",\"answer\":\"\u003Cp>An Income Tax Calculator can offer a near estimate of your tax liability, but it might not be entirely accurate. This is because the responses in the mandatory fields provided by a user can change over time. Hence, an advice from your tax consultant is recommended to understand the tax computation in detail.\u003C/p>\"},{\"title\":\"Can I use a Income Tax Calculator for any financial year?\",\"question\":\"\u003Cp>Can I use a Income Tax Calculator for any financial year?\u003C/p>\",\"answer\":\"\u003Cp>You can use the calculator to estimate tax liability for FY 24-25 or AY 25-26.\u003C/p>\"},{\"title\":\"What is the standard deduction under old tax regime for FY24-25?\",\"question\":\"\u003Cp>What is the standard deduction under old tax regime for FY24-25?\u003C/p>\",\"answer\":\"\u003Cp>Standard deduction of 50,000 for old tax regime is unchanged in the budget 2024. However, for new tax regime the standard deduction has been increased to 75,000 from 50,000.\u003C/p>\"}],\"field_fa_gp_breadcrumb\":0,\"breadcrumb\":[]}],\"plan_section\":[{\"title\":\"Shriram Life Insurance plans to save tax\",\"heading\":\"Shriram Life Insurance plans to save tax\",\"description\":\"\",\"plan_type\":[{\"heading\":\"Shriram Life Early Cash Plan\",\"description\":\"\u003Cp>\u003Cspan>The Shriram Life Early Cash Plan is a non-linked, participating, individual savings life Insurance plan that provides the twin benefits of insurance and savings.\u003C/span>\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-06/premier-assured-benefits.webp\",\"alt\":\"premier-assured-benefits\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[],\"cta\":[{\"url\":\"https://buy.shriramlife.com/OnlineInsurance/Retirement-Plans/Shriram-Life-Early-Cash-Plan/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/early-cash-plan\",\"text\":\"Know More\"}]},{\"heading\":\"Shriram Life Premier Assured Benefit\",\"description\":\"\u003Cp>Shriram Life Premier Assured Benefit is a non-linked, non-participating earning plan to fulfil your future financial goals. This flexible plan comes with two life covers and three flexible payout options.\u003C/p>\",\"image\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2024-08/assured-income-plan-new.webp?VersionId=PN9Rw3adVcK3e8CEJcn1yy59S8MYM2KH\",\"alt\":\"Shriram Life Premier Assured Benefit\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"info_content\":[{\"title\":\"Easy Claim Process\",\"heading\":\"Easy Claim Process\",\"sub\":\"Easy Claim Process\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/test1_7.PNG\",\"alt\":\"Death\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\"},{\"title\":\"Quick Disbursals\",\"heading\":\"Quick Disbursals\",\"sub\":\"Quick Disbursals\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/media-2.png\",\"alt\":\"contact\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":null,\"sub_heading\":\"\"},{\"title\":\"Hassle-Free Purchase\",\"heading\":\"Hassle-Free Purchase\",\"sub\":\"Hassle-Free Purchase\",\"icon\":[{\"media_img\":{\"url\":\"https://cdn.shriramlife.com/slic-kalam/files/2023-04/Screenshot_from_2023-03-16_14-07-37.png\",\"alt\":\"Tax\"},\"media_svg\":null,\"media_svg_alt\":\"\",\"media_document\":null}],\"cta\":{\"url\":\"\",\"text\":\"View Plan\"},\"sub_heading\":\"\"}],\"cta\":[{\"url\":\"https://buy.shriramlife.com/OnlineInsurance/Savings-Plans/Shriram-Life-Premier-Assured-Benefit/Buy-Now/Basic-details?r=tR4vwgYwYs6qLwHRf7pNhg%3D%3D\",\"text\":\"Buy Now\"},{\"url\":\"/life-insurance/premier-assured-benefit-plan\",\"text\":\"Know More\"}]},{\"heading\":\"Shriram Life Assured Advantage Plus\",\"description\":\"\u003Cp>The Shriram 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