Professional take-home pay calculator for India (New Regime 2026 with 12 Lakh Rebate u/s 87A), Dubai UAE (0% Tax), USA (Federal + FICA), UK (HMRC) & Canada (CRA). Calculate accurate in-hand salary, TDS, EPF, National Insurance & CPP locally.
Updated as per Budget 2025 (FY 2025-26 / AY 2026-27) - Standard Deduction ₹75,000
| INCOME SLAB | TAX RATE | NOTE |
|---|---|---|
| 0 - ₹4,00,000 | 0% | No tax |
| ₹4,00,001 - ₹8,00,000 | 5% | After 75k deduction |
| ₹8,00,001 - ₹12,00,000 | 10% | But 87A Rebate = 0 tax upto 12L |
| ₹12,00,001 - ₹16,00,000 | 15% | Rebate lost if exceeds 12L |
| ₹16,00,001 - ₹20,00,000 | 20% | |
| ₹20,00,001 - ₹24,00,000 | 25% | |
| Above ₹24,00,000 | 30% + 4% Cess |
If your taxable income after ₹75,000 standard deduction is up to ₹12,00,000, you get full rebate u/s 87A = ₹60,000, so Net Tax = ₹0.
Example: Gross 12.75L - 75k Std Ded = 12L Taxable → Tax before rebate = ₹60,000 → Rebate = ₹60,000 → Net Tax = 0
If taxable income exceeds ₹12,00,000 by even ₹1, you lose full rebate and pay tax from ₹4L onwards (marginal relief available).
Q: Is salary up to 12 lakh tax free in new regime 2026?
A: Yes, under Section 87A rebate in Budget 2025, taxable income up to 12L = 0 tax.
Q: How is in-hand salary calculated?
A: In-hand = CTC - Employee PF (12%) - Professional Tax - TDS. Calculator uses 75k std deduction.
Q: Is Dubai really 0% tax?
A: Yes, UAE has 0% personal income tax. Gross = Net for expats.
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