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India tax calculator

See take-home pay, tax and EPF under both regimes in one screen.

This tool estimates India income tax, take-home pay and payroll deductions for salaried and freelance income, under both the Old and New tax regimes. It also covers Foreign Nationals and International Workers on assignment in India, including EPF and Social Security Agreement rules.

Tax Regime · FY 2025-26

Employment Type

Salary Income

Gross Annual Salary (CTC / Gross)

₹

Basic Salary (% of Gross)

HRA Received (annual)

₹

Annual Rent Paid

₹

City Type

Capital Gains (Budget 2024 rates)

STCG – Equity / Equity MF (Sec 111A, 20%)

₹

STCG – Other Assets (at slab rate)

₹

LTCG – Equity / Equity MF (Sec 112A, 12.5%, ₹1.25L exempt)

₹

LTCG – Other Assets (Sec 112, 12.5%)

₹

Other Income

Interest Income (FD / Savings)

₹

Dividend Income

₹

Rental Income (after 30% std deduction)

₹

Payroll Deductions

EPF Employee Contribution (12% of Basic)

Employer NPS – Sec 80CCD(2) (% of Basic, allowed in both regimes)

Professional Tax (annual)

₹

Worker Nationality

FY 2025-26 · AY 2026-27 · New Regime

₹0

₹0 / month · ₹0 / week

Income Tax

₹0

Surcharge + Cess

₹0

Effective Rate

EPF (Employee)

₹0

Marginal Tax Rate
Effective rate on your next ₹1 of income (incl. cess)

Income Distribution

Tax Computation

Total Tax Payable₹0

Deductions & Exemptions

Total Deductions₹0

Cost to Company (Employer View)

Total Annual CTC₹0

Gratuity accrues at 4.81% of basic per year (15 days × 1/26 ÷ 12). Payable after 5 years of continuous service per the Payment of Gratuity Act 1972 (or earlier on death/disablement). Max tax-exempt gratuity: ₹20,00,000.

Pay Period Summary

Period	Gross	Total Tax	EPF (Emp.)	Net Take-Home

Old vs New Regime Comparison

New Regime

—

Total tax payable

Old Regime

—

Total tax payable

Illustrative — confirm against your facts before acting.

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Rates reflect the source tool's stated FY 2025-26 (AY 2026-27) figures. We have not updated these rates — check the current Finance Act before relying on them for a live filing.

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