India Tax Calculator (2026)
Income tax rates and take-home pay for India
Using Maharashtra for state/regional taxes. Region selection coming soon.
India Income Tax Brackets (2025-26)
| Bracket | Income Range | Rate |
|---|---|---|
| Exempt | ₹0 - ₹400,000 | 0.0% |
| Lower Rate | ₹400,000 - ₹800,000 | 5.0% |
| Middle Rate I | ₹800,000 - ₹1,200,000 | 10.0% |
| Middle Rate II | ₹1,200,000 - ₹1,600,000 | 15.0% |
| Higher Rate I | ₹1,600,000 - ₹2,000,000 | 20.0% |
| Higher Rate II | ₹2,000,000 - ₹2,400,000 | 25.0% |
| Top Rate | ₹2,400,000+ | 30.0% |
Personal allowance: ₹75,000
Maharashtra Professional Tax
| Bracket | Income Range | Rate |
|---|---|---|
| Professional Tax Threshold | ₹120,001+ | 0.0% |
Employees' Provident Fund (EPF)
| Bracket | Income Range | Rate |
|---|---|---|
| Employee Contribution | ₹0+ | 12.0% |
Income Tax Surcharge
| Bracket | Income Range | Rate |
|---|---|---|
| Income > 5M | ₹5,000,000 - ₹10,000,000 | 10.0% |
| Income > 10M | ₹10,000,000 - ₹20,000,000 | 15.0% |
| Income > 20M | ₹20,000,000+ | 25.0% |
Applies when income exceeds ₹5,000,000
Health and Education Cess
| Bracket | Income Range | Rate |
|---|---|---|
| Cess | ₹0+ | 4.0% |
Key Facts
Tax Year
2025-26
Currency
INR
Top Rate
30.0%
Brackets
7 brackets
Allowance
₹75,000
Social Contributions
1 item
Assumptions
- · Alternate Personal Tax Regime (APTR) is used as it is the default for FY 2025-26.
- · Standard deduction of INR 75,000 for salaried employees under APTR is included as a personal allowance.
- · Professional Tax is modeled based on Maharashtra state rates (representative of a major economic hub).
- · Section 87A Rebate (up to INR 60,000 for income <= 1.2M) is mentioned but standard deduction relief is prioritized in the relief field.
- · Church tax is not applicable in India.
Frequently asked questions
How much income tax will I pay in India if I earn 1 million rupees?
Under India's Alternate Personal Tax Regime, you would pay no tax on the first 400,000 rupees, then 5% on income between 400,000 and 800,000 rupees, and 10% on income from 800,000 to 1,000,000 rupees. You also get a standard deduction of 75,000 rupees, which further reduces your taxable income. After accounting for the standard deduction and the progressive tax brackets, your effective tax rate would be approximately 6-7% on your total income.
What is the Employees' Provident Fund (EPF) and how much do I contribute?
The EPF is a mandatory retirement savings scheme for employees in India, where you contribute 12% of your gross income to a personal retirement account. This contribution is deducted from your salary but is not tax-deductible, meaning you pay income tax on your full salary before the EPF contribution is taken out. The EPF amount grows tax-free and can be withdrawn after retirement or in certain other circumstances.
Do I need to pay state taxes in addition to federal income tax?
Yes, India has state-level taxes in addition to federal income tax. This calculator uses Maharashtra as the default region, which has a Professional Tax of 2,500 rupees that applies to income above 120,001 rupees. Tax rates and thresholds vary by state, so if you work or live in a different Indian state, your state tax obligations may differ from Maharashtra's rates.
What happens to my taxes if I earn more than 5 million rupees?
If your income exceeds 5 million rupees, you become subject to an Income Tax Surcharge in addition to your regular income tax. The surcharge rates are 10% on income between 5-10 million rupees, 15% on income between 10-20 million rupees, and 25% on income above 20 million rupees. Additionally, a 4% Health and Education Cess is applied on top of your income tax and surcharges for all income levels.
Is there a rebate or relief available if I earn a lower income?
Yes, all salaried employees under India's Alternate Personal Tax Regime receive a standard deduction of 75,000 rupees, which reduces your taxable income. Additionally, if your income is 1.2 million rupees or less, you may be eligible for a Section 87A Rebate of up to 60,000 rupees, which provides additional tax relief for lower-income earners.
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