What are the India income tax rates for FY 2025-26?

This calculator uses the latest published India tax brackets and personal allowance for the FY 2025-26 tax year, sourced from Income Tax Department of India + EPFO statutory rates.. Enter any gross salary above to see the bracket-by-bracket breakdown, your effective rate, and your marginal rate.

How is take-home pay calculated in India?

We start with your gross salary, apply the India personal allowance and any standard deductions, run the result through the FY 2025-26 progressive income tax brackets, then subtract mandatory employee social-security and equivalent contributions. The number left is your annual and monthly net pay.

Does this include social security and other payroll deductions in India?

Yes. The India calculator models employee-side social security, pension, health, and any solidarity or surcharge components that apply to wages. Employer-side contributions are excluded because they don't reduce your take-home pay.

Is the India calculator accurate for my situation?

It's a single-filer wage estimate that uses official FY 2025-26 rates. Your actual tax can differ based on filing status, dependants, regional or municipal taxes, salary-sacrifice arrangements, capital gains, and other personal credits. Treat the result as a strong first estimate, not tax advice.

What's the effective tax rate on a ₹100,000 salary in India?

At ₹100,000 gross per year, the model returns an effective tax-and-social-security rate of about 0.0% and a marginal rate of about 0.0% — leaving roughly ₹94,000 as annual take-home. Enter your own salary above for a tailored breakdown.

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India Income Tax CalculatorFY 2025-26

Currency: INR (₹)

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Your income

Enter what you earn. Results update instantly.

Gross monthly income (INR)

₹

Tax regime

Apply EPF (employee 12% of basic, capped)Enable

Tax Year · FY 2025-26Source: Income Tax Department of India + EPFO statutory rates.

Take-home — FY 2025-26

₹0 ($0 USD)

₹0 ($0 USD) per month·from ₹0 ($0 USD) gross

Take-home 100.0%Tax 0.0%Social 0.0%

Income tax

₹0 ($0 USD)

Social

₹0 ($0 USD)

Effective rate

0.00%

Marginal rate

0.00%

Tax breakdown

Standard deduction−₹75,000 (−$893 USD)
Income tax (before rebate)₹0 ($0 USD)
Health & Education Cess (4%)₹0 ($0 USD)

Alternative: Old Regime

₹0 ($0 USD) tax · ₹0 ($0 USD) net

AI verification

Cross-check the displayed brackets against published rates for FY 2025-26.

Estimates only. Not tax, legal, or financial advice. Verify with a qualified professional or the official tax authority.

India tax system at a glance

Official brackets and employee-side social contributions for tax year FY 2025-26.

Tax year

FY 2025-26

Currency

INR (₹)

Top marginal rate

30.0%

Tax-free threshold

₹400,000

Income tax brackets (7)

Income range	Rate
₹0 – ₹400,000	0.00%
₹400,000 – ₹800,000	5.00%
₹800,000 – ₹1,200,000	10.00%
₹1,200,000 – ₹1,600,000	15.00%
₹1,600,000 – ₹2,000,000	20.00%
₹2,000,000 – ₹2,400,000	25.00%
₹2,400,000 – ∞	30.00%

Employee social contributions (1)

Contribution	Rate of gross	Annual cap
EPF (employee 12% of basic)	6.00%	₹21,600

Rates and caps estimated at a sample gross of ₹300,000.

Scope & limitations

Old regime: only standard deduction + EPF 80C are auto-applied (HRA, 80D, etc. not modelled).

India income tax — FAQ

Common questions about the India FY 2025-26 tax year and this calculator.

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