Income Tax Calculator 2026 – Take-Home Pay in 3 Easy Steps
Income Tax Calculator (2026-27)
Use this income tax calculator to estimate your tax and take-home salary instantly
Use this free income tax calculator to estimate the tax on your yearly salary and your take-home pay in five countries: the United States, India, the United Kingdom, Canada and Pakistan. Pick a country, enter your gross annual income and the tool shows your tax, effective tax rate and net pay per year and per month, using 2026 rules.
Quick answer
Choose your country, enter gross annual salary and press Calculate Net Income. For example, $75,000 in the US gives about $7,670 federal income tax (after the $16,100 standard deduction), ₹15 lakh in India gives ₹97,500 under the new regime, and Rs 2.4 million in Pakistan gives Rs 156,000 for tax year 2027.
Table of Contents
Income tax is progressive in all five countries: each slice of income is taxed at its own rate, so a pay rise never reduces your take-home pay overall. The tricky parts are the allowances, rebates and deductions that change every year. This income tax calculator builds those in so you get a realistic estimate in seconds.
What Each Country Calculation Includes
| Country | Tax year | Included | Not included |
|---|---|---|---|
| United States | 2026, single filer | $16,100 standard deduction, 7 federal brackets (10% to 37%) | State and local tax, Social Security and Medicare |
| India | FY 2026-27, new regime | ₹75,000 standard deduction, slabs from 0% to 30%, section 87A rebate up to ₹12 lakh taxable income with marginal relief, 4% cess | Old-regime deductions, surcharge on very high incomes |
| United Kingdom | 2026/27, England, Wales and NI | £12,570 personal allowance (tapered above £100,000), 20%, 40% and 45% bands, employee National Insurance at 8% and 2% | Scottish rates, student loans, pension contributions |
| Canada | 2026, federal | Brackets from 14% to 33%, basic personal amount credit | Provincial tax, CPP and EI |
| Pakistan | Tax year 2027 (FY 2026-27), salaried | Finance Act 2026 slabs from 0% to 35% | Allowances, credits and other income types |
How to Use the Income Tax Calculator
Step 1: Choose Your Country and Enter Your Salary
Open Select Tax Jurisdiction and pick your country. Type your Gross Annual Income before tax, then press Calculate Net Income. For a US salary of $75,000, federal income tax is $7,670, an effective rate of 10.23%, leaving $67,330 a year or about $5,610.83 a month before state tax and payroll taxes.
Step 2: Check an India New Regime Example
Switch to India (New Regime FY 2026-27) and enter ₹15,00,000. After the ₹75,000 standard deduction, taxable income is ₹14.25 lakh. Tax is ₹97,500 including 4% cess, an effective rate of 6.5%, leaving about ₹1,16,875 a month. A salary up to ₹12.75 lakh pays no tax thanks to the rebate.
Step 3: Try Pakistan Salaried Slabs
Choose Pakistan (Salaried Tax Year 2027) and enter Rs 2,400,000. Tax is Rs 116,000 on the first Rs 2.2 million plus 20% of the next Rs 200,000, a total of Rs 156,000. Monthly take-home is about Rs 187,000.
Quick Examples
| Country | Gross income | Estimated tax | Notes |
|---|---|---|---|
| United States | $40,000 | $2,620 | Federal income tax only |
| United States | $75,000 | $7,670 | Federal income tax only |
| India | ₹12,50,000 | ₹0 | Rebate covers tax |
| India | ₹13,00,000 | ₹26,000 | Marginal relief applies |
| United Kingdom | £45,000 | £9,080.40 | Income tax £6,486 + NI £2,594.40 |
| United Kingdom | £60,000 | £14,642.60 | Includes NI |
| Canada | C$80,000 | C$10,292.73 | Federal tax only |
| Pakistan | Rs 1,200,000 | Rs 6,000 | Salaried slabs |
Pakistan Salaried Tax Slabs, Tax Year 2027
| Annual taxable income (Rs) | Tax |
|---|---|
| Up to 600,000 | 0 |
| 600,001 to 1,200,000 | 1% of amount over 600,000 |
| 1,200,001 to 2,200,000 | 6,000 + 11% over 1,200,000 |
| 2,200,001 to 3,200,000 | 116,000 + 20% over 2,200,000 |
| 3,200,001 to 4,100,000 | 316,000 + 25% over 3,200,000 |
| 4,100,001 to 5,600,000 | 541,000 + 29% over 4,100,000 |
| 5,600,001 to 7,000,000 | 976,000 + 32% over 5,600,000 |
| Above 7,000,000 | 1,424,000 + 35% over 7,000,000 |
The Finance Act 2026 also removed the 9% surcharge that applied to salaried incomes above Rs 10 million.
Effective Rate vs Marginal Rate
Your marginal rate is the rate on your last rupee, dollar or pound of income. Your effective rate is total tax divided by total income, which is always lower. A US earner on $75,000 is in the 22% bracket but pays an effective 10.23% in federal income tax.
Tips
- Use your gross salary before any deductions.
- Add bonuses and overtime if you expect them during the year.
- For India, compare with the old regime if you claim large deductions.
- Check payslips: employers often withhold tax monthly, and a refund or balance may follow at year end.
This calculator gives estimates for planning only and is not tax advice. Rules can change during a year; check official guidance or a tax professional before making decisions.
Related tools: the Hourly to Salary Converter, the Freelancer Invoice Tax Calculator and the 50/30/20 Budget Calculator.
Frequently Asked Questions
Which tax years does this income tax calculator use?
US 2026, India FY 2026-27, UK 2026/27, Canada 2026 and Pakistan tax year 2027 (FY 2026-27).
Does the US result include state tax?
No. It shows federal income tax after the standard deduction. State tax, Social Security and Medicare are extra.
Is income up to 12 lakh tax-free in India?
Under the new regime, taxable income up to ₹12 lakh has no tax after the rebate. With the ₹75,000 standard deduction, salaries up to ₹12.75 lakh pay nothing.
Does the UK result include National Insurance?
Yes. It adds employee Class 1 NI at 8% and 2% to income tax.
What are the salaried tax slabs in Pakistan for 2026-27?
From 0% up to Rs 600,000, rising through 1%, 11%, 20%, 25%, 29% and 32% to 35% above Rs 7 million.
Is my salary data stored?
No. Everything is calculated in your browser.