India
Single resident employee, no dependants
Breakdown
- Gross salary₹15,00,000
- Income tax−₹93,750
- Provident fund (EPF)−₹36,000
- Health and Education Cess−₹3,750
- Total deductions−₹1,33,500
- Take-home pay₹13,66,500
Asia-Pacific · 2026–27 (1 April 2026 to 31 March 2027) tax year
India salary calculator
What you actually take home from a salary in India after income tax and mandatory employee contributions, and how it compares across Asia-Pacific. Often searched as a in-hand salary calculator.
Before tax, for one employee. Results update as you type.
Estimated take-home in India, per year
₹13,66,500
- You keep
- 91.1%
- Deductions
- 8.9%
- Rank
- 3 / 9
Take-homeGross ₹15,00,000
The same salary, every country
9 countries · take-home in INR
Gross salary converted at ECB reference rates, then taxed under each place’s own rules. Employee income tax and mandatory social security only. How we calculate
How income tax works in India
A standard deduction of ₹75,000 comes off gross salary, and the bands below apply to the rest. Employee EPF and professional tax do not reduce taxable income under the new regime. A rebate cancels the tax completely on taxable income up to ₹12,00,000, which is a salary of ₹12,75,000. Just above that, tax before cess cannot exceed the amount by which taxable income passes ₹12,00,000. Income tax above ₹50 lakh of taxable income carries a surcharge of 10%, rising to 15% above ₹1 crore and 25% above ₹2 crore, with marginal relief at each step so that crossing a threshold never adds more tax and surcharge than the extra income. A Health and Education Cess of 4% is then added to income tax and surcharge, with no relief on the cess itself.
| Taxable income | Rate |
|---|---|
| ₹0 – ₹4,00,000 | 0% |
| ₹4,00,000 – ₹8,00,000 | 5% |
| ₹8,00,000 – ₹12,00,000 | 10% |
| ₹12,00,000 – ₹16,00,000 | 15% |
| ₹16,00,000 – ₹20,00,000 | 20% |
| ₹20,00,000 – ₹24,00,000 | 25% |
| ₹24,00,000 and above | 30% |
Employee contributions. The Employees' Provident Fund (EPF) takes 12% of wages, and the statutory ceiling has been ₹25,000 a month since 17 September 2026, so at most ₹3,000 a month (₹36,000 a year). We take wages as half of gross pay. Employees' State Insurance (ESI) takes 0.75% of pay, but only from employees earning up to ₹21,000 a month. Above that nothing is deducted. Your employer pays its own EPF and ESI on top.
What this estimate simplifies
Enter gross salary, not CTC: a CTC figure usually includes the employer's EPF and gratuity, which you never receive as pay, so gross salary is lower than CTC. EPF is shown at the statutory ceiling for a full year, although ₹15,000 applied until 16 September 2026. Many employers deduct 12% of full basic pay instead, which lowers take-home pay but builds your EPF balance, and a new joiner on wages above the ceiling may be outside EPF altogether. Professional tax is left out because it is set by each state: the Constitution caps it at ₹2,500 a year, which is what Maharashtra and Karnataka charge at higher salaries, and some states charge none. The old regime is not shown. You can opt into it, and it may suit you if you claim large deductions such as house rent allowance, but its 30% band starts at ₹10,00,000 and its standard deduction is ₹50,000. Assumes no bonus, employer NPS, perquisites or other income.
Every figure is for resident employee on the default new tax regime, with salary as the only income, in the local currency. See the methodology for how we calculate and test.
Common salaries after tax in India
Choose a salary for its full breakdown, or see the India salary table.
| Gross a year | Take-home a year | Take-home a month | Taken |
|---|---|---|---|
| ₹3,00,000 | ₹2,82,000 | ₹23,500 | 6.0% |
| ₹5,00,000 | ₹4,70,000 | ₹39,167 | 6.0% |
| ₹6,00,000 | ₹5,64,000 | ₹47,000 | 6.0% |
| ₹8,00,000 | ₹7,64,000 | ₹63,667 | 4.5% |
| ₹10,00,000 | ₹9,64,000 | ₹80,333 | 3.6% |
| ₹12,00,000 | ₹11,64,000 | ₹97,000 | 3.0% |
| ₹15,00,000 | ₹13,66,500 | ₹1,13,875 | 8.9% |
| ₹20,00,000 | ₹17,71,600 | ₹1,47,633 | 11.4% |
| ₹25,00,000 | ₹21,44,200 | ₹1,78,683 | 14.2% |
| ₹30,00,000 | ₹24,88,200 | ₹2,07,350 | 17.1% |
| ₹50,00,000 | ₹38,64,200 | ₹3,22,017 | 22.7% |
| ₹1,00,00,000 | ₹70,38,220 | ₹5,86,518 | 29.6% |
Common questions
How much is ₹15,00,000 after tax in India?
About ₹13,66,500 a year, or ₹1,13,875 a month. Income tax and employee contributions take ₹1,33,500, 9% of the salary, for resident employee on the default new tax regime, with salary as the only income in the 2026–27 (1 April 2026 to 31 March 2027) tax year.
What are the income tax rates in India?
A standard deduction of ₹75,000 comes off gross salary, and the bands below apply to the rest. Employee EPF and professional tax do not reduce taxable income under the new regime. A rebate cancels the tax completely on taxable income up to ₹12,00,000, which is a salary of ₹12,75,000. Just above that, tax before cess cannot exceed the amount by which taxable income passes ₹12,00,000. Income tax above ₹50 lakh of taxable income carries a surcharge of 10%, rising to 15% above ₹1 crore and 25% above ₹2 crore, with marginal relief at each step so that crossing a threshold never adds more tax and surcharge than the extra income. A Health and Education Cess of 4% is then added to income tax and surcharge, with no relief on the cess itself. Then: 0% from ₹0 to ₹4,00,000; 5% from ₹4,00,000 to ₹8,00,000; 10% from ₹8,00,000 to ₹12,00,000; 15% from ₹12,00,000 to ₹16,00,000; 20% from ₹16,00,000 to ₹20,00,000; 25% from ₹20,00,000 to ₹24,00,000; 30% above ₹24,00,000.
What else comes out of a salary in India?
The Employees' Provident Fund (EPF) takes 12% of wages, and the statutory ceiling has been ₹25,000 a month since 17 September 2026, so at most ₹3,000 a month (₹36,000 a year). We take wages as half of gross pay. Employees' State Insurance (ESI) takes 0.75% of pay, but only from employees earning up to ₹21,000 a month. Above that nothing is deducted. Your employer pays its own EPF and ESI on top.
How much is ₹6,00,000 after tax in India?
About ₹5,64,000 a year, or ₹47,000 a month spread over 12 payments. Income tax and employee contributions take ₹36,000, 6% of the salary, for resident employee on the default new tax regime, with salary as the only income, in the 2026–27 (1 April 2026 to 31 March 2027) tax year.
How much is ₹12,00,000 after tax in India?
About ₹11,64,000 a year, or ₹97,000 a month spread over 12 payments. Income tax and employee contributions take ₹36,000, 3% of the salary, for resident employee on the default new tax regime, with salary as the only income, in the 2026–27 (1 April 2026 to 31 March 2027) tax year.
How much is ₹20,00,000 after tax in India?
About ₹17,71,600 a year, or ₹1,47,633 a month spread over 12 payments. Income tax and employee contributions take ₹2,28,400, 11% of the salary, for resident employee on the default new tax regime, with salary as the only income, in the 2026–27 (1 April 2026 to 31 March 2027) tax year.
Sources
- Income-tax Act 2025 (Gazette of India), sections 19, 156 and 202
- Finance Bill 2026, First Schedule Part I-B (surcharge and marginal relief)
- Budget 2026, Memorandum explaining the provisions (rates for tax year 2026-27)
- Finance Act 2026, text as published
- PIB, EPFO wage ceiling raised to ₹25,000
- PIB, Code on Social Security 2020 and the wage definition
- BDO India, EPF wage ceiling raised to ₹25,000 (S.O. 5109(E))
- HR Tailor, ESIC wage ceiling 2026 (rates and ceiling unchanged)
- Constitution of India, Article 276 (professional tax cap)