Finance · Tax Bracket
Effective tax India + US.
Pick country + filing status. Plug gross income. See effective tax rate, total tax, and take-home — calibrated to India FY 2026-27 new regime + US 2026 brackets.
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Inputs
Both brackets exclude state tax, surcharge, cess, FICA. Federal/central only.
Default currency: USD. INR when India selected.
Receipts
Effective tax rate
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Total tax owed
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Take-home (after federal/central tax)
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When this number lies
- India: surcharge (10-37% on tax) + 4% cess not modelled. Effective burden ~3-5% higher on top brackets.
- US: state income tax (0-13%) + FICA (7.65% up to wage base) not modelled.
- Deductions (80C/80D in India, std deduction in US new regime already baked in) — beyond that, your real tax could be lower.
- Long-term capital gains taxed separately (not modelled here).
Bracket sources
- India FY 2026-27 new regime: 0% <4L · 5% 4-8L · 10% 8-12L · 15% 12-16L · 20% 16-20L · 25% 20-24L · 30% >24L. Std deduction ₹75,000 baked in. Section 87A rebate up to ₹60,000 if total income ≤ ₹12L (effectively zero tax up to ₹12L).
- US 2026 single: 10% <$12,400 · 12% to $50,400 · 22% to $105,700 · 24% to $201,775 · 32% to $256,225 · 35% to $640,600 · 37% above. Std deduction $16,100.
- US 2026 MFJ: 10% <$24,800 · 12% to $100,800 · 22% to $211,400 · 24% to $403,550 · 32% to $512,450 · 35% to $768,700 · 37% above. Std deduction $32,200.
- Sources: IRS Rev. Proc. 2025-32 (2026 inflation adjustments) · Cleartax + incometaxindia.gov.in (India FY 2025-26 = AY 2026-27). Last reviewed 2026-05-22.
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