Salary & Tax Calculator — India 🇮🇳
Estimate your real take-home pay in India. We model income tax brackets, EPF (Employee Provident Fund), and the personal allowance to show what actually lands in your account in INR. Effective rate — total tax divided by gross — is what matters most for budgeting, not the headline marginal rate.
New tax regime + EPF (simplified).
Popular salaries in India
Pre-calculated breakdowns for common gross salaries.
How tax works in India
Asia & Pacific · INR
India offers a new (simplified) and an old tax regime. The new regime — used here — has lower rates and a higher tax-free slab of ₹3 lakh, but no major deductions. EPF contributions of 12% are matched by the employer and act as forced retirement savings. A 4% health and education cess applies on top of the income tax.
Gross vs. net pay in India
The total figure on your contract — before any tax or social deductions. In India this is typically quoted in INR per year, though monthly quotes are common for white-collar roles.
What lands in your bank account after income tax and EPF (Employee Provident Fund). Most workers in India keep 77% of a ₹23,00,000 gross.
Visible on your payslip: income tax (progressive brackets) and EPF (Employee Provident Fund) at 12.0%. These are what this calculator models.
Paid on top of your gross — pension contributions, employer social security, accident insurance. They raise the total cost of employment but do not reduce your net pay.
India vs. similar countries
Same ₹23,00,000 gross compared across regional peers. Numbers only — purchasing power varies.
| Country | Net / year | Net / month | Effective |
|---|---|---|---|
| 🇮🇳 India | ₹17,69,000 | ₹1,47,417 | 23.1% |
| 🇦🇺 Australia | $1,258,140 | $104,845 | 45.3% |
| 🇳🇿 New Zealand | $1,387,123 | $115,594 | 39.7% |
| 🇸🇬 Singapore | $1,772,850 | $147,738 | 22.9% |
| 🇯🇵 Japan | ￥1,864,000 | ￥155,333 | 19.0% |
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Frequently asked
Last updated: 2026. New tax regime + EPF (simplified).