India · Tax guide

Salary and take-home pay calculator

Tax year 2026/27 (1 April 2026–31 March 2027), default new income-tax regime. Delhi resident Indian employees aged 18–57 throughout the year, with one employer, unchanged basic wages and 12 full months of work. Regional coverage is currently Delhi only.

Enter cash basic wages including DA/retaining allowance, not CTC; this model excludes separately paid HRA or other excluded allowances. Annual bonus is taxed but excluded from EPF/ESI. EPF uses 12%, with the ceiling rising on 17 September 2026; September is split 16/30 and 14/30. Employees already contributing on full wages retain that basis. ESI is automatic for covered establishments within the ₹21,000 wage limit (₹25,000 for qualifying disabled employees). Delhi LWF is ₹0.75 in June and December for covered non-managerial staff; Delhi has no professional tax. Tax includes ₹75,000 standard deduction, rebate, marginal relief, surcharge and 4% cess. Excludes the old tax regime, other states, other income, employer NPS, international workers, 10% EPF establishments and salary changes during the year. The non-member option models a previously excluded employee earning above ₹15,000 and up to ₹25,000 who becomes mandatorily covered on 17 September; other new or voluntary joining dates are outside scope.