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India Gross to Net Salary Calculator 2025/2026

Calculate your India take-home pay after New Tax Regime. Free, accurate, updated for 2025/2026.

✓ New Tax Regime ✓ Tax year 2025/2026 ✓ Free

India salary calculator

2025/2026
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Monthly take-home —
Annual take-home—
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BreakdownAnnual
Gross salary—
Income tax—
Social contributions—
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Salary breakdown

India income tax rates 2025/2026

Tax bandIncomeRate
Tax-freeUp to ₹3,00,0000%
5%₹3,00,001–₹7,00,0005%
10%₹7,00,001–₹10,00,00010%
15%₹10,00,001–₹12,00,00015%
20%₹12,00,001–₹15,00,00020%
30%Over ₹15,00,00030%

Common salary levels — India take-home pay

Click any salary to see a full breakdown of take-home pay, income tax and deductions.

₹500,000 ₹600,000 ₹700,000 ₹800,000 ₹1,000,000 ₹1,200,000 ₹1,500,000 ₹2,000,000 ₹2,500,000 ₹3,000,000 ₹4,000,000 ₹5,000,000 ₹7,500,000 ₹10,000,000 ₹15,000,000

How is salary taxed in India?

India has two tax regimes: the Old Regime (many deductions, higher rates) and the New Regime (lower rates, fewer deductions). The New Regime has been the default since FY2023-24.

Under the New Regime, incomes up to ₹3,00,000 are tax-free. A rebate under Section 87A means those with taxable income up to ₹7,00,000 pay zero tax effectively. A standard deduction of ₹75,000 (raised in Budget 2024) further reduces taxable income for all salaried employees.

Budget 2025 made the New Regime even more attractive: the 87A rebate now covers tax on income up to ₹12 lakh for salaried employees, meaning those earning up to approximately ₹12,75,000 (after ₹75,000 standard deduction) can pay zero tax.

A Health and Education Cess of 4% applies on the final income tax amount. EPF (Employee Provident Fund) contributions of 12% of basic salary are mandatory for most employees.

India salary calculator — FAQ

The New Regime (default since FY2023-24) has lower tax rates but restricts most deductions. Budget 2025 made it significantly more attractive by raising the 87A rebate, meaning salaried employees earning up to ~₹12.75 lakh can pay zero tax. The Old Regime still wins if your total deductions (80C, HRA, home loan interest, 80D etc.) exceed ₹3–3.5 lakh.
Under the New Regime, salaried employees earning up to approximately ₹12,75,000 gross can pay zero tax: the ₹75,000 standard deduction reduces taxable income to ₹12,00,000, and the enhanced Section 87A rebate covers the full tax liability on income up to ₹12 lakh. This is one of the most significant Budget 2025 changes.
EPF (Employees' Provident Fund) requires both employee and employer to contribute 12% of the employee's basic salary each month. The employee's 12% reduces take-home pay but builds a retirement corpus earning 8.25% interest (current EPF interest rate). EPF is mandatory for establishments with 20+ employees.
No. House Rent Allowance (HRA) exemptions are only available under the Old Regime. Under the New Regime (used here), HRA is fully taxable. If you pay significant rent and receive HRA from your employer, calculate both regimes to see which is better for your situation.
A 4% cess is levied on the calculated income tax amount (not on your income). It funds health and education schemes. For example, if your income tax is ₹1,00,000, the cess adds ₹4,000, making total tax ₹1,04,000. It is automatically included in our calculations.
A surcharge applies for high earners: 10% on income ₹50 lakh–₹1 crore, 15% on ₹1–2 crore, 25% on ₹2–5 crore, and 25% on above ₹5 crore (capped at 25% under the New Regime since Budget 2023, giving a maximum marginal rate of 39% vs 42.74% under Old Regime).
For salaried individuals, the ITR (Income Tax Return) deadline is 31 July of the assessment year (e.g., 31 July 2025 for FY2024-25). Filing late incurs a penalty of ₹5,000 (₹1,000 if total income is below ₹5 lakh). Your employer provides Form 16 by 15 June with all PAYE deduction details.
From FY2024-25, all salaried employees and pensioners can claim a standard deduction of ₹75,000 under the New Regime (raised from ₹50,000 in Budget 2024). This is a flat deduction with no documentation needed — it automatically reduces your taxable income before any tax is calculated.

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