This calculator uses the new tax regime, which is the default for salaried employees in India. At lower salaries the result is often zero tax, because the Section 87A rebate wipes out the tax bill on gross pay up to ₹12,75,000. Enter your gross salary and the page splits what comes off into income tax, cess and provident fund, so you can see which part is actually tax.
Income tax and employee contributions, FY 2025–26 rates.
| Breakdown | Amount |
|---|
Estimates for a single employee with standard allowances, calculated in your browser. Rates checked October 2026. Not tax advice.
The calculation starts with the standard deduction of ₹75,000. What is left is taxed in slabs: nothing on the first ₹4,00,000, then 5%, 10%, 15%, 20% and 25% in ₹4,00,000 steps, with 30% above ₹24,00,000. If your total income after the deduction is ₹12,00,000 or less, the Section 87A rebate cancels the tax entirely, up to a rebate limit of ₹60,000. One simplification to know about: the real law gives marginal relief just above that threshold, so tax there cannot exceed the income earned over ₹12,00,000. This calculator applies a hard cut-off instead, which means it slightly overstates tax on gross salaries just above ₹12,75,000. The surcharge that applies on total income above ₹50 lakh is not modelled either. A 4% health and education cess is added on top of the tax in every case.
The other deduction on an Indian payslip is the Employees Provident Fund. EPF is a retirement savings contribution, not a tax. The employee share is 12% of basic pay plus dearness allowance, and mandatory coverage is capped at a wage of ₹15,000 a month, which is ₹1,80,000 a year. The calculator follows that ceiling, so the EPF figure here tops out at ₹21,600 a year. In practice, many employers and employees contribute on the full basic salary even above the ceiling, so your actual EPF deduction may be higher than the one shown. Two smaller gaps: the old regime is not modelled at all, and state professional tax, a small fixed charge in some states, is left out.
| Taxable income band | Rate |
|---|---|
| Up to ₹400,000 | 0% |
| ₹400,000 – ₹800,000 | 5% |
| ₹800,000 – ₹1,200,000 | 10% |
| ₹1,200,000 – ₹1,600,000 | 15% |
| ₹1,600,000 – ₹2,000,000 | 20% |
| ₹2,000,000 – ₹2,400,000 | 25% |
| Above ₹2,400,000 | 30% |
Bands apply to taxable income — what is left after the standard deduction of ₹75,000. A rebate wipes out the tax where taxable income is at or below ₹1,200,000. A cess of 4% is added to the tax.
| Gross salary | Income tax | Social | Take-home | Effective rate |
|---|---|---|---|---|
| ₹2,380,500 | ₹287,430 | ₹21,600 | ₹2,071,470 | 13.0% |
| ₹4,761,000 | ₹1,025,232 | ₹21,600 | ₹3,714,168 | 22.0% |
| ₹9,522,000 | ₹2,510,664 | ₹21,600 | ₹6,989,736 | 26.6% |
| ₹19,044,000 | ₹5,481,528 | ₹21,600 | ₹13,540,872 | 28.9% |
On ₹4,761,000 a year, take-home pay in India is ₹3,714,168 — about ₹309,514 a month — after ₹1,025,232 in income tax and ₹21,600 in social contributions. Salary levels are the local equivalents of US$25,000 / $50,000 / $100,000 / $200,000 at the ECB reference rate of 28 October 2026, rounded.
| Contribution | Rate | Applies from | Applies up to |
|---|---|---|---|
| Employee Provident Fund (EPF) | 12% | First ₹0 | ₹180,000 |
Employee side only. Employer contributions, where a country charges them, do not come out of your pay and are not in these results.
The same salary under both tax systems, worked through at several income levels.
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Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
Compare them →The same salary under both tax systems, worked through at several income levels.
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