Income Tax Calculator

Our calculator supports 11 countries: India (Old & New tax regimes), United States (federal + FICA), United Kingdom, Germany, France, Netherlands, Spain, Italy, Sweden, Switzerland, and Ireland. Use the country selector at the top of the tool to switch. Each country uses its own 2025 tax brackets, standard deduction/personal allowance, employee social security contributions, and tax credits.

We use official 2025 (UK: 2025-26) federal/national tax brackets, standard deductions, personal allowances, social-security rates, and tax credits. For progressive-formula countries (Germany, Switzerland) the brackets are stepped approximations. State, cantonal, regional, and municipal taxes are not included, and special cases (children, married couples in some countries, capital gains) are not modelled. Use the results as an estimate and consult a local tax professional.

The US calculator covers federal income tax for three filing statuses (Single, Married Filing Jointly, Head of Household) using 2025 brackets and standard deductions, plus FICA — Social Security (6.2% up to the $176,100 wage base), Medicare (1.45%), and Additional Medicare (0.9% above the filing-status threshold). Optionally, you can add state income tax for California, New York, Texas, Illinois, Massachusetts, Georgia, New Jersey, Maryland, Arizona, Pennsylvania, Washington, or Florida.

After selecting the United States, a state selector appears below the filing status — choose None (federal only), or one of 13 states. The state layer uses 2025 state brackets and deductions on top of your gross income, and the result is added to your federal + FICA total with its own breakdown. Fully progressive: California, New York, New Jersey, Maryland. Flat-rate: Illinois 4.95%, Georgia 5.19%, Arizona 2.5%, Pennsylvania 3.07%, Massachusetts 5% (plus a 4% surtax above $1,083,150). No state personal income tax: Texas, Washington, Florida. Excluded: the CA personal-exemption credit and 1% mental-health surtax, NY high-income recapture, NYC/Yonkers local taxes, MD county taxes, and WA's capital-gains tax.

Yes. Employee-side contributions are included where they exist: UK National Insurance, German pension/unemployment and health/care, French CSG/CRDS, Spanish and Italian social security, Swiss AVS/AI/APG, and Irish PRSI + USC. In the Netherlands, social security is already embedded in the first two Box 1 brackets. You can toggle social security off in the tool to see income tax alone.

Non-refundable credits are modelled where they are simple and significant: the Netherlands general tax credit (with phase-out), Italy's employment credit, and Ireland's combined personal + PAYE credits. Countries with heavily family-dependent credits (France's quotient familial, Germany's Kinderfreibetrag) assume a single taxpayer with no dependants.

The New Regime (default from FY 2023-24) offers lower tax rates but fewer deductions. The Old Regime has higher rates but allows deductions under Sections 80C, 80D, 24, HRA, LTA, and more. Generally, if you have significant deductions (over ₹3-4 lakhs), the Old Regime may be better. Our calculator compares both and recommends the best option based on your inputs.

For FY 2025-26, the standard deduction is ₹75,000 under the New Regime and ₹50,000 under the Old Regime. This is automatically applied in our calculations.

Under Section 87A, if your taxable income is up to ₹7 lakhs under the New Regime, you get a rebate of up to ₹25,000. Under the Old Regime, if your taxable income is up to ₹5 lakhs, you get a rebate of up to ₹12,500. This can reduce your tax liability to zero.

HRA exemption is the minimum of: 1) Actual HRA received, 2) Rent paid minus 10% of basic salary, and 3) 50% of basic salary (for metro cities) or 40% (for non-metro cities). Any HRA amount beyond this exemption is added to your taxable income under the Old Regime.

Section 80C covers investments up to ₹1.5 lakhs including PPF, EPF, ELSS mutual funds, life insurance premiums, NSC, tax-saving FDs, and Sukanya Samriddhi Yojana. Additional deductions of ₹50,000 are available under Section 80CCD(1B) for NPS contributions.

Absolutely. All calculations happen entirely in your browser — your financial data never leaves your device. We don't have servers, don't store your data, and don't track your calculations. You can even use the calculator offline after the initial page load.

Health and Education Cess is levied at 4% on the total tax amount (including surcharge). It was introduced to fund healthcare and education initiatives. This is applied to both Old and New Regime calculations.

Surcharge is an additional tax on high-income earners. Under both regimes: 10% if income exceeds ₹50 lakhs, 15% if it exceeds ₹1 crore, 25% if it exceeds ₹2 crores, and 37% if it exceeds ₹5 crores. Marginal relief may apply in certain cases.