Income Tax Calculator

An income tax calculator estimates what you owe on a year's income, and this one covers nine countries: India, the United Kingdom, the United States, Germany, France, Australia, Canada, Singapore and the UAE. Pick a country and the fields that matter there appear — India's old and new regimes with HRA, 80C and NPS; Germany's joint filing and solidarity surcharge; France's household parts. The rest stay out of the way. Every rate came from the government or tax authority that sets it, and the source and tax year are shown beside the result so you can check them rather than trust them. It runs in your browser and nothing you enter is sent anywhere.

How to use it

1. Choose your country. The tax year it applies to is shown in the list, because a rate is only right for a particular year.
2. Enter your gross annual income — pay before any tax or deduction.
3. Fill in whatever your country asks for. India wants your regime, and the old one then asks for basic pay, rent and HRA so the exemption can be worked out properly. Germany asks whether you file jointly. France asks about your household.
4. The tax, what you keep, and your effective rate appear as you type, with deductions, levies and any rebate broken out so you can see where the number came from.
5. The source for that country's rates is linked below the result. If the year shown is not the year you need, the answer will be wrong and the link is how you find the right figures.

Examples

• India, ₹12,00,000 on the new regime: nil. The ₹75,000 standard deduction and the section 87A rebate cancel the liability entirely.
• India, the same ₹12,00,000 on the old regime with ₹2.4 lakh of HRA exempt and 80C and NPS full: ₹56,680. The new regime wins unless your deductions are unusually large.
• Germany, €100,000 single: €30,864 of tax plus €1,251 of solidarity surcharge. The same income filed jointly by a couple is €21,096, and no surcharge at all.
• France, €60,000 for a couple with two children: €1,584.68 after the 10% abattement, three household parts and the décote.

What this tool cannot do

• It is an estimate, not a tax return. It models brackets, allowances, the deductions you enter and the main levy — not every credit and relief, or income taxed at its own rate such as dividends and capital gains.
• The tax year shown in the country list is the year the figures were verified for. If you need a different year, the numbers here are the wrong ones.
• Sub-national tax is excluded everywhere: US state, Canadian provincial, and any local charge. In some places that is more than the federal amount.
• Social contributions are excluded — UK National Insurance, US FICA, German Sozialversicherung, Singapore CPF. Some of them are large. Australia's Medicare levy is the exception and is included, because it is charged alongside income tax.
• Contribution caps outside India are not enforced. The UK annual allowance, the US 401(k) deferral limit and the RRSP limit all depend on circumstances this does not ask about, so it takes the figure you enter at face value.
• India's HRA uses the four metro cities that applied for FY 2025-26. Four more were reported as joining from April 2026; that is not applied here because it could not be confirmed against a notification, and it is worth 10% of basic pay.

Frequently asked questions

Which countries does this cover?

Nine: India, the United Kingdom, the United States, Germany, France, Australia, Canada, Singapore and the United Arab Emirates. A country is added only when its rules can be encoded correctly from a primary source. Germany was left out of the first version for exactly that reason — it computes tax from a formula rather than bands, and approximating the curve produces a number that looks authoritative and is not. It is here now because the real formula from § 32a EStG is implemented, coefficient for coefficient, not because the standard was relaxed.

Should I pick the old regime or the new one?

Run both and compare — that is what the regime selector is for. The new regime has lower rates, a larger ₹75,000 standard deduction and a section 87A rebate that wipes out the bill up to ₹12 lakh of taxable income, but it allows almost no deductions. The old regime has higher rates and a smaller ₹50,000 deduction, but lets you claim HRA, 80C and NPS. As a rough guide the old regime only wins once your deductions are large — on ₹15 lakh with nothing to claim it costs ₹2,57,400 against the new regime's ₹97,500. Your own numbers decide it, not the guide.

How is the HRA exemption worked out?

It is the least of three amounts, and that is the part most calculators get wrong by picking one: the HRA you actually received; 50% of basic pay in Delhi, Mumbai, Kolkata or Chennai, or 40% anywhere else; and the rent you paid minus 10% of basic pay. Whichever is smallest is what escapes tax. Two things catch people out — 'salary' here means basic pay plus dearness allowance, not gross pay, and if your rent is modest the third limb caps you however generous your allowance is. Paying ₹80,000 of rent against ₹6 lakh of basic exempts only ₹20,000.

Why is my state or provincial tax not included?

Because it is a separate tax with its own rates, and there are too many to encode honestly. The United States figure is federal only, and state income tax in California or New York can add a great deal on top. The Canadian figure is federal only, and every province charges its own on top of it. German church tax and India's surcharge above ₹50 lakh are left out for the same reason — the rates could not be confirmed well enough to ship. If you are in any of those, treat this as one part of your bill rather than the whole of it.

Where do these tax rates come from?

Each country's figures were read off the authority that sets them — the IRS for the United States, GOV.UK for the United Kingdom, the ATO for Australia, the CRA for Canada, IRAS for Singapore, and the statute itself for Germany — and the link and the date it was checked are shown with the result. Where a figure was easy to get wrong it was confirmed against a second source: Australia's second band is 15% for 2026-27, not the 16% many calculators still use, and France's décote constant is €897 rather than the previous year's €889. Tax rates change, usually once a year and sometimes mid-year. The date is there so you can see how old the figure is instead of assuming it is current.