India Income Tax Calculator
India uses a progressive income tax system with a top rate of 31.2%. New Regime (default). Rates include 4% cess. Section 87A rebate (nil tax up to ₹12L) not modeled — a known simplification.
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1/5 added2026 tax brackets
| Taxable income | Rate |
|---|---|
| ₹0 – ₹400,000 | 0% |
| ₹400,000 – ₹800,000 | 5.2% |
| ₹800,000 – ₹1,200,000 | 10.4% |
| ₹1,200,000 – ₹1,600,000 | 15.6% |
| ₹1,600,000 – ₹2,000,000 | 20.8% |
| ₹2,000,000 – ₹2,400,000 | 26% |
| ₹2,400,000 – ∞ | 31.2% |
Take-home pay in India at different incomes
Estimated 2026 income tax and net pay for four salary levels, shown in INR. Salaries are set in US dollars and converted at approximate fixed reference rates (not live exchange rates), so read them as illustrations. Income tax only: social contributions are not deducted.
| Gross salary | In INR | Income tax | Effective rate | Take-home / year | Take-home / month |
|---|---|---|---|---|---|
| $25,000 | ₹2,087,500 | ₹211,250 | 10.1% | ₹1,876,250 | ₹156,354 |
| $50,000 | ₹4,175,000 | ₹842,400 | 20.2% | ₹3,332,600 | ₹277,717 |
| $100,000 | ₹8,350,000 | ₹2,145,000 | 25.7% | ₹6,205,000 | ₹517,083 |
| $200,000 | ₹16,700,000 | ₹4,750,200 | 28.4% | ₹11,949,800 | ₹995,817 |
What counts as taxable income in India
This calculator treats your gross annual employment income, in INR, as taxable income, then subtracts an estimated standard deduction of ₹75,000 and applies the 2026 brackets above.
The first ₹400,000 of taxable income is taxed at 0%.
You are a tax resident if present in India for 182+ days in the financial year, or 60+ days plus 365+ days across the preceding four years (with relaxed rules for Indian citizens working abroad).
Common deductions and allowances: Section 87A rebate — tax payable drops to nil if taxable income is ₹12 lakh or below under the New Regime; Standard deduction of ₹75,000 for salaried employees (New Regime); Section 80C investments (up to ₹1.5 lakh) — available only under the Old Regime; HRA and LTA exemptions — available only under the Old Regime.
Employees' Provident Fund (EPF) is separate from income tax and is not included in the estimate. Employees typically contribute 12% of basic salary to EPF, matched by the employer. This is a retirement savings contribution, not a tax, but it does reduce take-home pay.
Method and limits are on the About page. See where India ranks in income tax rates by country.
India income tax FAQ
What is the income tax rate in India for 2026?+
India uses 7 progressive brackets, with the marginal rate rising to 31.2% at the top. Income up to ₹400,000 is taxed at 0%. Only the slice of income inside each bracket is taxed at that bracket's rate.
How much income tax would I pay on $50,000 in India?+
On a $50,000 USD-equivalent salary (about ₹4,175,000), our estimate is ₹842,400 of income tax, an effective rate of 20.2%, leaving about ₹3,332,600 a year or ₹277,717 a month. This is income tax only.
Does this India calculator include social security or payroll contributions?+
No. It estimates income tax only. Employees' Provident Fund (EPF) is separate: Employees typically contribute 12% of basic salary to EPF, matched by the employer. This is a retirement savings contribution, not a tax, but it does reduce take-home pay. Budget for it on top of the income tax shown.
What is the standard deduction in India?+
We use an estimated standard deduction of ₹75,000, subtracted from income before the brackets apply. Your actual allowances may be higher or lower.
When is the income tax return due in India?+
The typical filing deadline is 31 July. Deadlines can differ by filer type and residency, so confirm with Income Tax Department (Central Board of Direct Taxes).
Who counts as a tax resident in India?+
You are a tax resident if present in India for 182+ days in the financial year, or 60+ days plus 365+ days across the preceding four years (with relaxed rules for Indian citizens working abroad).
What is the most common mistake when estimating India tax?+
Not comparing the Old Regime (more deductions, higher rates) against the New Regime (fewer deductions, lower rates) — which one is cheaper depends entirely on how many deductions you can actually claim.
How accurate is this India estimate?+
It applies the 2026 brackets we hold for India to your income. It leaves out credits, surcharges, regional taxes and social contributions, so treat it as a planning estimate and confirm with Income Tax Department (Central Board of Direct Taxes) before filing.
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Side-by-side rates, brackets and take-home pay: India against 152 other countries.
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