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India Income Tax CalculatorFY 2025-26

Currency: INR (โ‚น)

Tax residency status

Resident rates are shown by default. Non-resident treatment varies โ€” toggle for guidance.

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Your income

Enter what you earn. Results update instantly.

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

Annual Take-Home โ€” FY 2025-26

โ‚น0 ($0 USD)

Monthly take-homeโ‚น0 ($0 USD)

from โ‚น0 ($0 USD) gross

Take-home 100.0%Tax 0.0%Social 0.0%
Income tax
โ‚น0 ($0 USD)
Social
โ‚น0 ($0 USD)
Effective rate
0.00%
Marginal rate
0.00%

Tax breakdown

  • Standard deductionโˆ’โ‚น75,000 (โˆ’$893 USD)
  • Income tax (before rebate)โ‚น0 ($0 USD)
  • Health & Education Cess (4%)โ‚น0 ($0 USD)

Alternative: Old Regime

โ‚น0 ($0 USD) tax ยท โ‚น0 ($0 USD) net

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

About India's tax system

India offers two regimes โ€” the New Regime (0โ€“30% with a โ‚น7 lakh rebate) and the Old Regime (0โ€“30% with 80C, HRA and other deductions). The New Regime is default since FY 2023-24. Cess of 4% applies on tax, and surcharges kick in above โ‚น50 lakh.

  • New Regime is default โ€” switch to Old in the calculator above if you claim 80C / HRA.
  • Standard deduction โ‚น75,000 in New Regime, โ‚น50,000 in Old.
  • EPF (12% employee) is mandatory for most salaried workers.

Want the full breakdown? See the detailed India FAQ โ†’

India tax system at a glance

India uses a progressive income-tax schedule for FY 2025-26. The currency is INR (โ‚น).

  • Tax-free allowance: you pay no income tax on the first โ‚น400,000 of earnings.
  • First paid bracket: 5% on income above โ‚น400,000.
  • Top marginal rate: 30.0% on the highest slice of income.
  • Employee contributions: 1 separate payroll deduction apply to most salaries.

Income tax brackets

Tax-free
โ‚น0 โ€“ โ‚น400,000
0.00%

No income tax in this range.

Band 2
โ‚น400,000 โ€“ โ‚น800,000
5.00%

You pay 5.00% only on the slice of income that falls inside this band.

Band 3
โ‚น800,000 โ€“ โ‚น1,200,000
10.00%

You pay 10.00% only on the slice of income that falls inside this band.

Band 4
โ‚น1,200,000 โ€“ โ‚น1,600,000
15.00%

You pay 15.00% only on the slice of income that falls inside this band.

Band 5
โ‚น1,600,000 โ€“ โ‚น2,000,000
20.00%

You pay 20.00% only on the slice of income that falls inside this band.

Band 6
โ‚น2,000,000 โ€“ โ‚น2,400,000
25.00%

You pay 25.00% only on the slice of income that falls inside this band.

Band 7
โ‚น2,400,000 โ€“ โˆž
30.00%

You pay 30.00% only on the slice of income that falls inside this band.

Employee contributions & deductions

EPF (employee 12% of basic)
6.00% of gross

Annual cap around โ‚น21,600 (estimated at a sample salary of โ‚น300,000).

Source: Income Tax Department of India + EPFO statutory rates.

Scope & limitations

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

India budget calculator

Edit any line to see how much you'd actually save โ€” or the salary you'd need to ask for. Placeholders are rough averages for a single professional in a mid-to-large city.

Net after tax
โ‚น325,510 ($3,875 USD)
Total expenses
โ‚น135,240 ($1,610 USD)
Leftover / month
โ‚น190,270 ($2,265 USD)
Savings rate
58.5%
Salary you'd need for a 20% savings rate
โ‚น420,000 ($5,000 USD) / month gross

Estimates only. Averages are indicative โ€” costs vary widely by city and lifestyle. Edit every line for your situation.

Compare all countries โ†’India FAQ โ†’

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