India's tax and salary analysis app for salaried professionals — built on the Income Tax Act 2025 and IT Rules 2026. Old regime, new regime, retirals projection, offer comparison, investment planning, and a complete personal finance knowledge base — all on your Android device, all stored locally with zero data transmitted.
In last few years i heard this many times from friends and colleauges that they dont really understand their salary structures and although their company is paying them something but they dont really know how much every month they are getting as salary. Infact most of them never really understoof their CTC properly ever and to do something to ease this confusion i though of building an excel shaaet which later took shape of this app. This app helps user understand that CTC , deductions, net in-hand in a clear and easy way. Then on top of that it is also helping user understand which regime is best for them based on their current CTC. The tax calculator in this app is built to give the Indian salaried professional the complete picture: a step-by-step derivation of taxable income, a side-by-side regime comparison with rupee savings, a retirals corpus projection, and the reasoning behind every number on screen.
The app is built entirely around the Income Tax Act 2025 (which replaced the 60-year-old 1961 Act from 1 April 2026) and the IT Rules 2026, which brought significant changes — a 30× increase in the Children's Education Allowance, expanded HRA 50% city coverage to 8 cities, and higher meal coupon exemption limits. Every formula is traceable to a specific statutory section.
Full salary decomposition, dual-regime optimisation, taxable income derivation trail, and tax attribution by source — salary, rentals, dividends, LTCG, STCG, and property gains.
Year-by-year EPF, NPS, and Gratuity projections using the Payment of Gratuity Act formula, EPFO compound interest model, and a goal planner with EPF/NPS split weightage.
14 expandable cards covering essential personal finance rules — from the 50/30/20 budget rule and Rule of 72 to the 4% retirement withdrawal rule — all with Indian rupee examples.
7 dedicated analysis tabs, each solving a specific financial problem for the Indian salaried professional. Built with AI coding assistance and deep domain expertise in Indian salary structures and tax law.
Monthly in-hand and annual tax with regime comparison. Step-by-step taxable income trail, tax by income source, CTC waterfall chart, monthly salary trend, and optimisation tips.
Automatically calculates tax under both regimes and identifies which saves more — with the exact rupee difference and the complete slab breakdown for both shown simultaneously.
Year-by-year EPF+VPF, NPS, and Gratuity projection with annual hike compounding. Goal planner sets target corpus and calculates required monthly top-up split between EPF and NPS.
Enter a new job offer and get a side-by-side table: CTC, gross, HRA exempt, retirals, tax, in-hand — all with absolute and percentage change and a plain-language verdict.
Set a wealth target and timeline. Get a monthly SIP recommendation across ELSS, PPF, NPS, equity MF, debt fund, and gold — calibrated to Conservative, Balanced, or Aggressive risk profiles.
Save named analysis snapshots per profile. Load any saved session back into Inputs. Export any session as a formatted PDF report — fully offline, no internet required.
Expandable cards for 50/30/20, Rule of 72, Emergency Fund, Life Insurance 10× Rule, Health Insurance, Debt-to-Income, SIP Power, Asset Allocation, Latte Factor, Net Worth, Home Affordability, and Retirement Corpus rules.
Full Sign Up / Sign In flow with Login ID and password. Multiple profiles supported per device. Passwords stored as one-way hashes. All data stays on-device — zero cloud sync.
Full theme support across all 7 tabs. Toggle from the side drawer. Theme preference persisted per profile in AsyncStorage.
Updated allowance limits: Children's Education ₹3K/month, Hostel ₹9K/month, Meal coupon ₹200/meal. HRA 50% list expanded to 8 cities. All limits traceable to CBDT notification.
Every formula is derived directly from primary statutory sources — the Income Tax Act 2025, the Payment of Gratuity Act 1972, and the IT Rules 2026. Each calculation traces to a specific section.
Tax slabs are unchanged for FY 2025-26 per Budget 2026. The app reads the user's date of birth from their profile and automatically applies the correct Old Regime age bracket.
| Income Slab | Rate | Max Tax in Slab |
|---|---|---|
| ₹0 – ₹4 lakh | NIL | — |
| ₹4L – ₹8L | 5% | ₹20,000 |
| ₹8L – ₹12L | 10% | ₹40,000 |
| ₹12L – ₹16L | 15% | ₹60,000 |
| ₹16L – ₹20L | 20% | ₹80,000 |
| ₹20L – ₹24L | 25% | ₹1,00,000 |
| Above ₹24L | 30% | No ceiling |
| Income Slab | Rate | Cumulative Max |
|---|---|---|
| ₹0 – ₹2.5 lakh | NIL | — |
| ₹2.5L – ₹5L | 5% | ₹12,500 |
| ₹5L – ₹10L | 20% | ₹1,12,500 |
| Above ₹10L | 30% | No ceiling |
| Income Slab | Rate |
|---|---|
| ₹0 – ₹3 lakh | NIL |
| ₹3L – ₹5L | 5% |
| ₹5L – ₹10L | 20% |
| Above ₹10L | 30% |
| Income Slab | Rate |
|---|---|
| ₹0 – ₹5 lakh | NIL |
| ₹5L – ₹10L | 20% |
| Above ₹10L | 30% |
Every calculation in TaxDekho India maps to a specific section of Indian tax law. The table below is the complete statutory reference for each feature.
| Provision | Section | Status | Notes |
|---|---|---|---|
| New Tax Regime (default) | Sec 202, ITA 2025 | ✓ Implemented | Replaces Sec 115BAC of 1961 Act. Default regime from FY 2024-25. |
| Standard Deduction — New Regime | Sec 16(ia) | ✓ ₹75,000 | Increased from ₹50K by Finance Act 2024, effective FY 2024-25. |
| HRA Exemption | Sec 10(13A) | ✓ 8-city 50% | IT Rules 2026, Rule 279: Bengaluru, Pune, Hyderabad, Ahmedabad added to 50% list. |
| Children Education Allowance | Sec 10(14)(ii) | ✓ ₹3K/month | IT Rules 2026: raised from ₹100/month to ₹3,000/month per child (max 2). |
| Hostel Expenditure Allowance | Sec 10(14)(ii) | ✓ ₹9K/month | IT Rules 2026: raised from ₹300/month to ₹9,000/month per child (max 2). |
| Meal Perquisite Exemption | Sec 17(2) | ✓ ₹200/meal | IT Rules 2026: raised from ₹50/meal. Available in both Old and New Regime. |
| Employer NPS contribution | Sec 80CCD(2) | ✓ Both regimes | Up to 10% of Basic. The only deduction allowed in New Regime besides Standard Deduction. |
| 87A Rebate — New Regime | Sec 87A | ✓ ₹12L + marginal | Full rebate if taxable ≤ ₹12L. Marginal relief: tax capped at excess over ₹12L up to ₹12.75L. |
| LTCG Equity — ₹1.25L exemption | Sec 112A | ✓ 12.5% rate | Finance Act 2024: rate changed 10%→12.5%, exemption ₹1L→₹1.25L. |
| STCG Equity — flat rate | Sec 111A | ✓ 20% rate | Finance Act 2024: changed from 15% to 20% for listed equity held ≤ 12 months. |
| Gratuity — private sector cap | Payment of Gratuity Act 1972 | ✓ ₹20L cap | Formula: (Monthly Basic × 15 × Years) ÷ 26. 6-month rounding rule applied. |
| EPF excess interest taxability | Finance Act 2021 + Sec 10(11) | ✓ Above ₹2.5L | Interest on EE+VPF contributions exceeding ₹2.5L/year taxable from FY 2021-22. |
Built with React Native and Expo — a single codebase that runs natively on Android, with EAS Build for cloud compilation and direct Play Store submission.
TaxDekho India was designed with a single non-negotiable principle: your salary and financial data belongs to you, lives on your device, and goes nowhere else. There is no backend, no server, no account, no cloud.
No salary figures, no tax numbers, no personal details are ever sent over the internet. The app performs all calculations entirely on-device. There is no server receiving anything from you — ever.
All data — profiles, salary inputs, saved sessions, investment plans, offer comparisons — is stored using Android's AsyncStorage, which is sandboxed to the app and inaccessible to other apps or services.
App passwords are never stored in plain text. They are converted to a one-way hash before being saved locally. Even if someone extracted your device storage, your password cannot be recovered from it.
After installation, TaxDekho India requires no internet connection at any point. Every feature — analysis, projections, PDF export, offer comparison — works completely offline on any Android device.
There are no analytics SDKs, no crash reporters, no usage trackers, and no advertising libraries embedded in the app. No third party receives any information about how you use TaxDekho India.
You can delete all app data at any time using the Clear All Data option in Settings, or by simply uninstalling the app. There is no account to close, no server-side record to request deletion of.
Every data type the app touches — where it lives and what happens to it.
| Data Type | What It Contains | Where Stored | Transmitted? |
|---|---|---|---|
| Profile & Login | Name, Login ID, password hash, date of birth | Device only | Never |
| Salary Inputs | Basic, HRA, allowances, variable pay, employer retirals | Device only | Never |
| Tax Analysis Results | Computed tax, regime comparison, deduction breakdown | Device only | Never |
| Saved Sessions | Labelled snapshots of salary inputs and analysis results | Device only | Never |
| Retirals Data | EPF/NPS balances, years of service, projection settings | Device only | Never |
| Offer Comparison | New offer salary components entered for comparison | Device only | Never |
| Investment Plans | Goal amount, horizon, risk profile, generated SIP plan | Device only | Never |
| App Settings | Dark/light mode preference | Device only | Never |
| Exported PDFs | Analysis reports generated for sharing | Shared via your device's share sheet at your discretion | App does not send |
TaxDekho India requests the minimum permissions required to function.
| Permission | Why It Is Needed | Status |
|---|---|---|
| Storage / Files | Required by expo-sharing to save and share exported PDF reports to your device | Minimal — PDF export only |
| Internet | Listed by the Android framework for Expo-managed apps but not actively used by TaxDekho India for any data transmission | Not used post-install |
| Camera | Not requested | Not required |
| Location | Not requested | Not required |
| Contacts / Microphone / SMS | Not requested | Not required |
ArthRoute Studios built TaxDekho India on a local-first principle because financial data is sensitive and belongs to the person who earns it. We will never add analytics, ads, or any form of data collection to TaxDekho India. The app has no backend infrastructure — there is literally no server to send your data to, and no account on our end that could be compromised. Your salary numbers are yours alone.
TaxDekho India was built by a salaried professional who wanted to understand his own tax situation fully — not just get a number, but trace every rupee from CTC to take-home. The development used AI coding assistance throughout, iterating through multiple rounds of feature additions, formula corrections, and UI refinements across the full tax engine and seven app screens.
The calculation engine was built from first principles, referencing CBDT statutory text and cross-verified against real-world salary scenarios. Each change in the Finance Acts from 2021 to 2024, and the newly enacted IT Rules 2026, was individually researched and implemented — from the corrected gratuity formula with ₹20L cap to the expanded 8-city HRA list.
Built the complete FY 2025-26 tax engine — Old and New Regime slabs, all 80C/80D/24b deductions, HRA exemption, EPF taxability, capital gains flat rates, 87A rebate with marginal relief, and surcharge computation.
Added 7 analysis tabs, profile system with Login ID and password, retiral goal planner with EPF/NPS split, offer comparison engine, investment planner with risk profiles, session save and PDF export.
Updated for IT Act 2025 and IT Rules 2026 — corrected gratuity formula, updated HRA 8-city list, new education/hostel/meal allowance limits, and age-based Old Regime slab auto-detection from profile DOB.
Tax calculation is deceptively complex. What looks like a simple salary slip hides dozens of interacting rules — HRA min-of-three, 6-month rounding for gratuity, EPF taxability thresholds, marginal relief logic — each of which must be modelled exactly per statutory text.
Domain knowledge is a superpower. Being a salaried professional who actively uses these tax rules made it possible to identify calculation bugs that purely technical analysis would miss. Every formula was cross-verified against real-world scenarios.
React Native + Expo is genuinely powerful for solo builders. The combination of a managed workflow, EAS cloud builds, and the expo-* package ecosystem meant no native toolchain setup — the entire build pipeline ran from a Windows laptop to the Play Store.
Local-first is the right default for a financial app. Storing all personal and financial data on the device, with zero external transmission, removes an entire class of security and privacy concerns — and makes the app work fully offline after installation.
100% Local — Zero Data Transmitted. TaxDekho India stores all personal and financial data exclusively on the user's device via AsyncStorage. No analytics, no tracking, no external account creation. Passwords are stored as one-way hashes. The app works fully offline after installation.
Free to download on Android. No account needed with any external service, no internet required after install. Your salary data never leaves your phone. Built by a salaried engineer who wanted to fully understand his own taxes — and built it so every Indian professional can too.