India Net Salary Calculator 2026

Find out how much you actually take home in India. Enter your annual gross salary in INR and instantly see your net pay, social contributions breakdown and effective Income tax (new regime 2024-25) rate.

Annual net salary
Monthly net salary
Gross salary
Gross salary
EPF (Provident Fund) + ESI
EPF (Provident Fund) + ESI
EPF pension (12%)
ESI health (0.75%)
Income tax (new regime 2024-25) (estimated)
Income tax (new regime 2024-25) (estimated)
Total effective rate

How is net salary calculated in India?

In India, net salary is calculated by subtracting social security contributions (EPF (Provident Fund) + ESI) and income tax (Income tax (new regime 2024-25)) from the annual gross salary.

Income tax (new regime 2024-25) uses a progressive scale. Rates range from 0 % for the lowest incomes to 31,2 % for the highest. Only the portion of income that falls within each bracket is taxed at that rate, never the full salary.

EPF (Provident Fund) + ESI contributions amount to approximately 12,75 % of gross salary, funding the pension, healthcare and other social benefits available to employees in India.

This calculator uses official data from Income Tax Dept. India (incometax.gov.in) for 2026. Results are indicative; for exact calculations or specific situations (personal deductions, special regimes) consult a tax adviser or the country's tax authority.

New tax regime (default from FY2024-25) with ₹75,000 standard deduction. Rates include 4% health & education cess. EPF (12%) is calculated on basic pay; ESI (0.75%) applies only if monthly salary ≤ ₹21,000. An old regime with more deductions also exists.

Frequently asked questions

How is net salary calculated in India?
Net salary is obtained by subtracting EPF (Provident Fund) + ESI contributions (approx. 12,75 %) and Income tax (new regime 2024-25) (from 0 % to 31,2 %) from the annual gross. This calculator applies the rates in force for 2026 according to Income Tax Dept. India (incometax.gov.in).
What is Income tax (new regime 2024-25)?
Income tax (new regime 2024-25) is the personal income tax in India. It works on a progressive scale: lower brackets are taxed less, higher brackets more. The top rate in 2026 is 31,2 %.
What does EPF (Provident Fund) + ESI deduct from salary?
EPF (Provident Fund) + ESI deducts approximately 12,75 % of gross salary. These contributions fund the pension, healthcare and other social benefits in India.
What are the Income tax (new regime 2024-25) brackets in India 2026?
Rates range from 0 % to 31,2 %. Each rate applies only to the portion of income within that bracket, never to the full salary. Check Income Tax Dept. India (incometax.gov.in) for the exact updated figures.
What is the difference between gross and net salary in India?
Gross salary is the amount stated in your contract before deductions. Net salary is what reaches your bank account after Income tax (new regime 2024-25) and EPF (Provident Fund) + ESI are deducted. The difference is typically between 15 % and 40 % of gross, depending on income level.
Are these results accurate?
They are an indicative estimate based on the general 2026 rates. Exact calculations may vary based on personal circumstances, deductions or special regimes. For precise figures, consult Income Tax Dept. India (incometax.gov.in) or a local tax adviser.
How often are tax rates updated in India?
Normally once a year, with each tax year. This calculator reflects the rates in force for 2026. When in doubt, always check the official source: Income Tax Dept. India (incometax.gov.in).
Calculator updated with India 2026 tax data from Income Tax Dept. India (incometax.gov.in). Results are indicative.

How is net salary calculated in other countries?

Each country has its own tax and social security system. Check the specific calculator:

North America

🇺🇸 United States 🇨🇦 Canada 🇲🇽 Mexico

Central America

🇧🇿 Belize 🇬🇹 Guatemala 🇭🇳 Honduras 🇸🇻 El Salvador 🇳🇮 Nicaragua 🇨🇷 Costa Rica 🇵🇦 Panama

South America

🇨🇴 Colombia 🇻🇪 Venezuela 🇬🇾 Guyana 🇸🇷 Suriname 🇪🇨 Ecuador 🇵🇪 Peru 🇧🇷 Brazil 🇧🇴 Bolivia 🇵🇾 Paraguay 🇨🇱 Chile 🇦🇷 Argentina 🇺🇾 Uruguay

Caribbean

🇦🇬 Antigua and Barbuda 🇧🇸 Bahamas 🇧🇧 Barbados 🇨🇺 Cuba 🇩🇲 Dominica 🇬🇩 Grenada 🇭🇹 Haiti 🇯🇲 Jamaica 🇩🇴 Dominican Republic 🇰🇳 Saint Kitts and Nevis 🇱🇨 Saint Lucia 🇻🇨 Saint Vincent and the Grenadines 🇹🇹 Trinidad and Tobago

Western Europe

🇪🇸 Spain 🇬🇧 United Kingdom 🇮🇪 Ireland 🇫🇷 France 🇩🇪 Germany 🇳🇱 Netherlands 🇧🇪 Belgium 🇱🇺 Luxembourg 🇨🇭 Switzerland 🇱🇮 Liechtenstein 🇦🇹 Austria 🇲🇨 Monaco 🇦🇩 Andorra 🇵🇹 Portugal

Northern Europe

🇸🇪 Sweden 🇳🇴 Norway 🇩🇰 Denmark 🇫🇮 Finland 🇮🇸 Iceland 🇪🇪 Estonia 🇱🇻 Latvia 🇱🇹 Lithuania

Southern Europe / Balkans

🇮🇹 Italy 🇬🇷 Greece 🇨🇾 Cyprus 🇲🇹 Malta 🇸🇲 San Marino 🇭🇷 Croatia 🇸🇮 Slovenia 🇷🇸 Serbia 🇧🇦 Bosnia and Herzegovina 🇲🇪 Montenegro 🇦🇱 Albania 🇲🇰 North Macedonia

Eastern Europe

🇵🇱 Poland 🇨🇿 Czech Republic 🇸🇰 Slovakia 🇭🇺 Hungary 🇷🇴 Romania 🇧🇬 Bulgaria 🇧🇾 Belarus 🇲🇩 Moldova 🇷🇺 Russia 🇺🇦 Ukraine

Central Asia & Caucasus

🇹🇷 Turkey 🇦🇿 Azerbaijan 🇬🇪 Georgia 🇦🇲 Armenia 🇰🇿 Kazakhstan 🇰🇬 Kyrgyzstan 🇺🇿 Uzbekistan 🇹🇯 Tajikistan 🇹🇲 Turkmenistan

East Asia

🇨🇳 China 🇯🇵 Japan 🇰🇷 South Korea 🇲🇳 Mongolia 🇹🇼 Taiwan

South Asia

🇵🇰 Pakistan 🇧🇩 Bangladesh 🇱🇰 Sri Lanka 🇳🇵 Nepal 🇲🇻 Maldives 🇧🇹 Bhutan 🇦🇫 Afghanistan

Southeast Asia

🇸🇬 Singapore 🇲🇾 Malaysia 🇹🇭 Thailand 🇵🇭 Philippines 🇮🇩 Indonesia 🇻🇳 Vietnam 🇰🇭 Cambodia 🇲🇲 Myanmar (Burma) 🇱🇦 Laos 🇧🇳 Brunei 🇹🇱 Timor-Leste

Middle East

🇸🇦 Saudi Arabia 🇧🇭 Bahrain 🇦🇪 United Arab Emirates 🇰🇼 Kuwait 🇴🇲 Oman 🇶🇦 Qatar 🇮🇱 Israel 🇯🇴 Jordan 🇮🇶 Iraq 🇮🇷 Iran 🇱🇧 Lebanon 🇵🇸 Palestine 🇸🇾 Syria 🇾🇪 Yemen

North Africa

🇲🇦 Morocco 🇩🇿 Algeria 🇹🇳 Tunisia 🇪🇬 Egypt 🇱🇾 Libya 🇸🇩 Sudan 🇲🇷 Mauritania

West Africa

🇳🇬 Nigeria 🇬🇭 Ghana 🇸🇳 Senegal 🇨🇮 Ivory Coast 🇲🇱 Mali 🇧🇫 Burkina Faso 🇹🇬 Togo 🇧🇯 Benin 🇳🇪 Niger 🇬🇳 Guinea 🇨🇻 Cape Verde 🇬🇲 Gambia 🇸🇱 Sierra Leone 🇱🇷 Liberia 🇬🇼 Guinea-Bissau

Central Africa

🇨🇲 Cameroon 🇬🇦 Gabon 🇦🇴 Angola 🇨🇬 Republic of the Congo 🇨🇩 DR Congo 🇬🇶 Equatorial Guinea 🇨🇫 Central African Republic 🇹🇩 Chad 🇸🇹 São Tomé and Príncipe

East Africa

🇰🇪 Kenya 🇹🇿 Tanzania 🇺🇬 Uganda 🇪🇹 Ethiopia 🇷🇼 Rwanda 🇲🇺 Mauritius 🇲🇬 Madagascar 🇲🇼 Malawi 🇸🇨 Seychelles 🇧🇮 Burundi 🇰🇲 Comoros 🇩🇯 Djibouti 🇪🇷 Eritrea 🇸🇴 Somalia 🇸🇸 South Sudan

Southern Africa

🇿🇦 South Africa 🇳🇦 Namibia 🇿🇲 Zambia 🇲🇿 Mozambique 🇿🇼 Zimbabwe 🇧🇼 Botswana 🇱🇸 Lesotho 🇸🇿 Eswatini (Swaziland)

Oceania

🇦🇺 Australia 🇳🇿 New Zealand 🇵🇬 Papua New Guinea 🇫🇯 Fiji 🇸🇧 Solomon Islands 🇼🇸 Samoa 🇹🇴 Tonga 🇻🇺 Vanuatu 🇰🇮 Kiribati 🇫🇲 Micronesia 🇳🇷 Nauru 🇲🇭 Marshall Islands 🇵🇼 Palau 🇹🇻 Tuvalu

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