India Paycheck Calculator — Take-Home Pay After Tax
India offers employees a choice between two income tax regimes for 2025–26. The new regime (default) offers lower slab rates — 0% up to ₹3 lakh, then 5%, 10%, 15%, 20%, 25%, and 30% — but eliminates most exemptions (HRA, LTA, 80C, 80D, NPS deduction). The old regime has higher rates but allows multiple deductions and exemptions that reduce taxable income significantly for those with substantial investments and allowances.
For most salaried employees, the new regime is beneficial if deductions under the old regime total less than approximately ₹3.75 lakh. Above that, the old regime often provides better take-home pay through 80C (₹1.5 lakh limit), 80D (health insurance premiums), HRA exemption, and NPS deduction.
Employees also contribute 12% of basic salary to EPF (Employee Provident Fund), up to a wage ceiling. Professional tax (₹200–₹2,500/year depending on state) is deducted by state. A health and education cess of 4% is applied on top of income tax liability.
Country
Gross income
India settings
Take-home pay /2 wks
₹3,846
₹99,996 / year
₹3,846
Gross /2 wks
₹0
Total deductions
0.0%
Effective tax rate
0.0%
Marginal tax rate
Disclaimer
This calculator provides estimates for informational purposes only. Actual tax withholding may vary based on specific circumstances. This is not tax, legal, or financial advice. Consult a qualified professional for personalized guidance.
No personal data leaves your browser. All calculations happen locally. Shareable links encode your inputs in the URL — don't share links with sensitive salary details publicly.
Tax tables: 2026 IRS Publication 15-T | HMRC 2025-2026 | CRA 2026 | ATO 2025-2026 | Income Tax India FY 2025-26
Key Tax Facts
New regime rates: 0%–30% with no standard deductions beyond ₹75,000 standard deduction.
Old regime: higher rates but allows 80C (₹1.5L), 80D, HRA, NPS, and other deductions.
EPF contribution: 12% of basic salary (up to ₹15,000 basic wage cap for PF purposes).
Professional Tax: varies by state, typically ₹200/month (₹2,400/year) for higher earners.
4% Health & Education Cess applied on final income tax amount.