India Income Tax Calculator
Estimate India income tax under the old or new tax regime, including rebate, cess, taxable income, and take-home income.
India income tax inputs
FY 2025-26 (AY 2026-27) · New Regime (default) · Below 60 years
Annual salary or pension income before deductions.
Lower slabs, limited deductions.
New regime uses the same slabs for all ages.
Interest, rental, business income, etc.
Most deductions are not allowed under the new regime.
Financial year (April–March) / Assessment year.
Total income tax
₹0.00
New Regime (default) · FY 2025-26 (AY 2026-27)
Take-home income
₹12,00,000.00
Gross income minus estimated total tax.
Taxable income
₹11,25,000.00
Gross ₹12,00,000.00 minus ₹75,000.00 deductions.
Base slab tax
₹52,500.00
Sum of tax across all reached slabs.
Section 87A rebate
₹52,500.00
Reduces base tax dollar-for-dollar.
Health & Education Cess
₹0.00
4.00% of tax after rebate.
Effective tax rate
0.00%
Total tax ÷ gross income.
Marginal slab rate
10.00%
Top slab reached by your taxable income.
Slab Breakdown
| Slab rate | Income in slab | Slab range | Tax |
|---|---|---|---|
| 0.00% | ₹4,00,000.00 | ₹0.00 – ₹4,00,000.00 | ₹0.00 |
| 5.00% | ₹4,00,000.00 | ₹4,00,000.00 – ₹8,00,000.00 | ₹20,000.00 |
| 10.00% | ₹3,25,000.00 | ₹8,00,000.00 – ₹12,00,000.00 | ₹32,500.00 |
This calculator provides an estimate for educational purposes only and is not tax advice. Actual tax liability may vary based on deductions, credits, local rules, residency, benefits, and personal circumstances. Always verify with official tax authorities or a qualified tax professional.
Support
How to read your results
Progressive slabs
Income within each slab is taxed at that slab's rate. The first slab (your basic exemption) is tax-free.
Rebate then cess
Section 87A rebate reduces base tax for low-income taxpayers. The 4% cess is applied on the tax that remains after rebate.
Slab tax only
Surcharges on very high incomes, capital gains tax, dividend special rates, and marginal relief are not modelled.
Formula
How India income tax is calculated
Taxable income
Taxable = (salary + other income) − standard deduction − eligible deductions.
Tax after rebate
Base tax = progressive slabs on taxable income. Tax after rebate = max(0, base tax − Section 87A rebate).
Total tax
Cess = 4% × tax after rebate. Total tax = tax after rebate + cess.
FAQ
India income tax calculator questions
Tax in India is calculated on taxable income (gross income minus eligible deductions and standard deduction) using progressive slabs that depend on the chosen regime and age category. The Section 87A rebate may reduce the tax, then a 4% Health & Education Cess is added.