Income Tax Calculator IN
Estimate income tax and effective rate from taxable income (simplified).
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How it works
This applies a single effective tax rate to your taxable income for a quick estimate. Real tax uses progressive bands and reliefs, so adjust the rate or treat the result as a rough guide only.
Tax = Income × effective rateFrequently asked questions
What is the new tax regime?
It is now the default system in India, with lower progressive slab rates and a rebate that makes lower incomes tax-free, but fewer deductions than the old regime.
How do income tax slabs work?
Income is taxed in slabs; only the income inside each slab is taxed at that slab’s rate, so your effective rate is lower than your top slab.
Old regime or new regime — which is better?
It depends on your deductions. The old regime can win if you claim large deductions; otherwise the new regime’s lower rates often work out better. Compare both for your numbers.
What is the difference between marginal and effective rate?
Your marginal rate is the rate on your top slab; your effective rate is total tax divided by total income, which is lower.
Is this my exact take-home pay?
No — it is a simplified estimate. Cess, surcharge and deductions change the final figure, so check current Income Tax Department rules.
Will a higher salary push all my income into a higher slab?
No. Only the income above each slab threshold is taxed at the higher rate.
Income Tax Calculator
Income tax is charged in slices: each band of income is taxed at its own rate, so only the part that falls inside a higher band is taxed at that higher rate. This calculator gives a simplified estimate of the tax on your earnings and the take-home pay left over.
Marginal vs effective rate
Your marginal rate is the rate on your next unit of income (your top band). Your effective rate is total tax divided by total income, and is always lower because the early bands are taxed less. A pay rise can never leave you worse off — only the income above a threshold is taxed at the higher rate.
India income tax
India’s new tax regime is now the default. It applies progressive slabs with a rebate that makes lower incomes effectively tax-free, while the older regime instead lets you claim deductions. The slab thresholds and rebate are set each year in the Union Budget, so use the current year’s figures.
This is a simplified estimate. Levies, credits, deductions and local taxes can change the final figure — check your official tax authority for exact, current-year amounts.
Results are estimates for general guidance in India and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.