India · Tax
Drop your Form 16 and see the old and new regimes side by side, with every line of the working. The PDF is read on your device — nothing is uploaded.
Rates for FY 2025-26 & FY 2026-27Last reviewed October 20, 2026How we calculate
The PDF stays on this device. Nothing is sent anywhere.
Form 16 is the certificate your employer issues each June for the year to 31 March: Part A has the tax deducted each quarter, Part B the salary computation. This page opens the PDF in your browser with pdf.js, reads its text layer, and picks out each figure by its row label — gross salary and its 17(1), 17(2) and 17(3) split, the section 10 exemptions, standard deduction, professional tax, Chapter VI-A deductions and TDS. Where a row is missing or its amount can’t be read, the box is left empty rather than guessed, so check the figures before relying on the comparison.
The comparison then reworks Part B under both regimes. The old regime keeps HRA and other section 10 exemptions, professional tax, a house-property loss of up to ₹2 lakh and the Chapter VI-A deductions (80C capped at ₹1.5 lakh). The new regime drops all of those except the employer’s NPS contribution, and gives a ₹75,000 standard deduction, wider slabs and the section 87A rebate up to ₹12 lakh. Income and tax are rounded to the nearest ₹10, as the Act requires. Surcharge (above ₹50 lakh) and section 89 relief are not modelled. For a quick what-if without a Form 16, use the tax regime comparison.
No. The PDF is opened by your browser, on your device, and the figures are worked out there. Nothing about the file or its numbers is sent to Upaman or anyone else, and nothing is kept after you leave the page.
Your employer sets it and usually explains it in the email that came with the PDF — a common pattern combines your PAN and date of birth. Type it when asked; it is only used to open the file in your browser.
The reader leaves a box empty when the row is not on your form or its amount could not be read with confidence. Employers who make their own Part B lay it out differently, and scanned PDFs have no text to read. Fill the box from the form, or leave it empty if it does not apply to you.
If you have no business or professional income, yes: you choose the regime when you file your return, whatever you told your employer. Extra tax deducted comes back as a refund; a shortfall is paid as self-assessment tax before filing.
On Android, install Upaman (the Install app button on this page or in the footer). It then appears in the share sheet: share the PDF to Upaman and this reader opens with it. iPhone does not allow web apps to receive shared files, so choose the PDF here instead.
Open your Form 16
Drop the PDF on the page, tap to choose it, or share it to the installed Upaman app.
Enter the password if asked
Password-protected PDFs open in your browser once you type the password from your employer’s email.
Check the figures
Correct any figure that was read wrongly and fill in any that were not found.
Compare and plan
Read both regimes’ working, the break-even, and what to declare to your employer before March.