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Income tax calculators & guides,
built for how each country actually taxes.

Old vs new regime, federal vs state, brackets, deductions — worked out precisely for the country you file in. No signup, no paywall, no email required.

🇮🇳INDIA 🇺🇸USA 🇬🇧UK 🇨🇦CANADA 🇦🇪UAE 🇦🇺AUSTRALIA 🇸🇬SINGAPORE 🇮🇩INDONESIA
8
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270+
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2026
Updated For Current Tax Year

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🇮🇳India
Old vs New Regime, HRA, 80C, Capital Gains
● Live
🇺🇸USA
Federal tax, FICA, self-employment, capital gains
● Live
🇬🇧United Kingdom
Income tax bands, National Insurance
● Live
🇨🇦Canada
Federal tax, CPP, EI, RRSP, TFSA, GST/HST
● Live
🇦🇪UAE
VAT, Corporate Tax, gratuity, no income tax
● Live
🇦🇺Australia
Income tax, Medicare Levy, super, HECS-HELP
● Live
🇸🇬Singapore
Income tax, CPF, GST, corporate tax, ABSD
● Live
🇮🇩Indonesia
PPh 21 TER, BPJS, THR, PPN, UMKM 0.5%
● Live
+ 92 more countries planned

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2026 income tax at a glance

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Tax years, rates, tax-free amounts and filing deadlines differ a lot between countries. Here are the headline numbers for each country we cover, for the tax year running in 2026.

CountryTax yearIncome tax ratesTax-free amountMain filing deadlineSales tax / VAT
🇮🇳 India1 Apr – 31 MarFY 2026-270% – 30%New regime, plus 4% cess₹12 lakh taxable income≈ ₹12.75 lakh salary (87A rebate)31 JulyITR, non-audit casesGST 5% / 18%40% on luxury & sin goods
🇺🇸 USACalendar yearTax year 202610% – 37%Federal, plus state tax$16,100Standard deduction, single15 AprilForm 1040No federal VATState sales tax varies
🇬🇧 United Kingdom6 Apr – 5 Apr2026/2720% / 40% / 45%Scotland has its own bands£12,570Personal allowance31 JanuaryOnline Self AssessmentVAT 20%
🇨🇦 CanadaCalendar yearTax year 202614% – 33%Federal, plus provincial$16,452Federal basic personal amount30 April15 June if self-employedGST 5% / HST 13–15%
🇦🇪 UAECompany financial yearNo personal income tax9% corporate tax above AED 375,000All salary9 months after year-endCorporate tax returnVAT 5%
🇦🇺 Australia1 Jul – 30 Jun2026-2715% / 30% / 37% / 45%Plus 2% Medicare levy$18,200Tax-free threshold31 OctoberSelf-lodgersGST 10%
🇸🇬 SingaporeCalendar yearTaxed the next year (YA)0% – 24%Residents, progressiveS$20,000First band taxed at 0%18 Aprile-FilingGST 9%
🇮🇩 IndonesiaCalendar yearTax year 20265% – 35%Residents, progressiveRp54,000,000PTKP, single31 MarchSPT TahunanPPN 12%11% effective on most items

Headline figures for individuals; surcharges, levies and credits change the final bill. Use the country calculators for your own numbers.

What changed for 2026

Key dates →

Tax rules change every year. These are the changes in 2026 most likely to affect the tax you pay in each country we cover.

🇮🇳 India
  • The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026. "Tax year 2026-27" replaces the old previous year / assessment year wording.
  • Budget 2026 left the new-regime slabs and the ₹12 lakh rebate unchanged.
  • Share buyback proceeds are now taxed as capital gains, and STT on futures and options went up.
🇬🇧 United Kingdom
  • Dividend tax rose by 2 points to 10.75% and 35.75% from 6 April 2026.
  • The £12,570 allowance and £50,270 higher-rate threshold are frozen until April 2031.
  • Scotland raised its basic and intermediate thresholds by 7.4%. Savings rates go up by 2 points from April 2027. See the bands.
🇺🇸 USA
  • The standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly.
  • You can put $24,500 into a 401(k) (see the savings).
  • The 1099-NEC reporting threshold rose from $600 to $2,000 (W-2 vs 1099).
🇨🇦 Canada
  • The lowest federal rate is 14% for the whole of 2026. It was 15% until July 2025, which made the 2025 rate 14.5%.
  • The RRSP dollar limit is $33,810 (estimate your refund).
  • Nova Scotia's HST is 14%, after it was cut on 1 April 2025 (sales tax by province).
🇦🇺 Australia
  • From 1 July 2026 the rate on income from $18,201 to $45,000 fell from 16% to 15%.
  • A further cut to 14% is legislated from 1 July 2027.
  • Withholding tables changed from 1 July 2026, so most pay slips now show slightly less tax taken out.
🇸🇬 Singapore
  • There is no personal income tax rebate for YA2026. YA2025 had a rebate of 60%, capped at $200.
  • The CPF ordinary wage ceiling rose to $8,000 a month from 1 January 2026 (take-home pay).
  • Resident rates of 0% to 24% are unchanged (rate table).
🇮🇩 Indonesia
  • PP 20/2026 lets individuals and PT Perorangan use the 0.5% small-business tax with no time limit; CVs and PTs can no longer use it (UMKM calculator).
  • The BPJS pension (JP) wage cap rose to Rp11,086,300 from 1 March 2026 (BPJS calculator).
  • PPh 21 is paid by the government for workers earning up to Rp10 million a month in five labour-intensive and tourism sectors.

Income tax basics: six ideas that work everywhere

Each country has its own forms and names for things, but most income tax systems are built from the same six ideas. Once you know them, any country's rules are much easier to follow.

01

Your marginal rate is not your tax rate

Brackets tax slices of income, not all of it. Someone in England earning £60,000 is in the 40% band. Their total income tax is £11,432, which is 19.1% of their pay. The 40% applies only to the £9,730 above £50,270.

Use the marginal rate when you judge a pay rise or a deduction. Use the effective rate when you budget.

02

Deductions and credits are not worth the same

A deduction lowers your taxable income, so it saves you your marginal rate. A $10,000 RRSP contribution saves $2,965 in tax for someone on $85,000 in Ontario. A credit comes straight off the tax bill. Canada's federal basic personal amount of $16,452 is a 14% credit, worth about $2,303 to everyone.

A deduction is worth more the more you earn. A credit is worth the same at any income.

03

Everyone gets a tax-free slice, in different ways

The UK gives a £12,570 personal allowance. Australia has an $18,200 tax-free threshold. Singapore taxes the first S$20,000 at 0%. The US gives a $16,100 standard deduction. India uses a rebate that wipes out tax on up to ₹12 lakh of taxable income.

The results look alike, but a rebate can vanish all at once when you pass its limit. An allowance tapers away gradually.

04

Tax taken from your pay is only an estimate

Employers deduct tax each payday. This is PAYE in the UK, TDS in India, PAYG in Australia, source deductions in Canada and W-4 withholding in the US. It is based on assumptions about your year. Your return works out the real figure, and the difference becomes a refund or a bill.

Singapore is different: residents have no withholding on salary and pay after they receive their Notice of Assessment.

05

Different types of income are taxed differently

Salary, interest, dividends and capital gains are often taxed at different rates. In India, gains on shares held more than 12 months are taxed at 12.5% on the amount above ₹1.25 lakh. In the UK, dividends have their own 10.75% and 35.75% rates.

Enter each type of income separately in a calculator. Adding them together first can overstate your tax.

06

Where you live for tax decides the rules

Tax residency is usually based on days spent in a country or where your home is. It is not based on citizenship, except in the US, which taxes its citizens wherever they live. In Singapore, someone on S$96,000 with CPF relief pays S$3,056 as a resident, but S$14,400 as a non-resident.

If you moved countries during the year, work out your residency before anything else.

Six tax traps worth knowing about

In most cases, earning a little more only means paying a little more tax. But each of these rules can cost far more than the headline rate suggests. All figures come from our 2026 calculators.

🇮🇳 India · the ₹12 lakh cliff
A ₹2 lakh share gain can cost ₹61,750
With ₹11 lakh of salary you pay no tax. Add a ₹2 lakh long-term gain on shares and your total income passes ₹12 lakh, so the rebate on your salary disappears. The result is an effective rate of about 31% on the gain.
🇬🇧 UK · the 60% band
£100,000 to £125,140 is taxed at 60%
Between these incomes you lose £1 of personal allowance for every £2 you earn. On £110,000, putting £10,000 into a pension cuts your tax by £6,000.
🇨🇦 Canada · the OAS clawback
15% extra above $95,323
Retirees repay 15% of their 2026 net income above $95,323 out of their OAS. A large RRIF withdrawal in one year can trigger it.
🇸🇬 Singapore · the 183-day line
Non-residents pay 15% from the first dollar
Below 183 days you are usually a non-resident, taxed at 15% (or resident rates, if higher) with no reliefs. A few extra days in Singapore can change the bill by thousands.
🇮🇳 India · selling too early
One month can cost ₹47,450
A ₹4 lakh gain on an equity fund sold at 11 months is taxed at 20%, which is ₹83,200 with cess. Sold after 12 months, it is taxed at 12.5% above ₹1.25 lakh, which is ₹35,750.
🇨🇦 Canada · RRSP over-contribution
1% a month on the excess
You can go $2,000 over your RRSP limit without penalty. Above that, the excess is taxed at 1% a month. $2,700 too much costs $27 every month until you fix it.

How to estimate your own income tax in 5 steps

Every one of our calculators follows these steps. Knowing them helps you check any result, whether it comes from us, your payroll software or your accountant.

  1. List your income by type. Keep salary, self-employment profit, interest, dividends and capital gains separate, because they may be taxed differently.
  2. Subtract deductions to find taxable income. These include pension or retirement contributions, the standard deduction or allowance, and any reliefs you qualify for.
  3. Apply the brackets one slice at a time. Tax each band of taxable income at its own rate, then add the slices together.
  4. Adjust the total. Subtract credits, rebates or offsets. Add surcharges, cess or levies such as India's 4% cess or Australia's 2% Medicare levy. Social security contributions such as UK National Insurance or US FICA are usually charged separately.
  5. Compare with what you have already paid. Take away the tax withheld from your pay or paid in instalments. What is left is your balance due, or your refund.
Worked example · UK 2026/27

Sam earns a £45,000 salary, £2,000 of interest and £3,000 of dividends. After his £12,570 personal allowance, his salary tax is £6,486. His £1,000 personal savings allowance covers half the interest, and the other £1,000 is taxed at 20%: £200. The £500 dividend allowance covers part of the dividends, and the remaining £2,500 is taxed at 10.75%: £268.75. His total income tax is £6,954.75. If you added everything together and taxed it as salary, you would get £7,486, which is about £531 too much.

Learn by topic

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Tax glossary in plain English

Adjusted net income
UK figure used to decide whether you lose the personal allowance (above £100,000) or pay the child benefit charge. It is total taxable income minus certain deductions such as pension contributions and Gift Aid.
Assessment year / tax year
In India, the year after the income was earned was called the assessment year. From 1 April 2026 the new Act uses a single "tax year" instead.
Basic personal amount
Canada's tax-free amount. It is claimed as a credit at the lowest rate, not deducted from income.
Cess
An extra tax charged as a percentage of your tax. India adds a 4% Health and Education Cess to income tax.
Chargeable income
Singapore's term for income after deductions and personal reliefs. It is the amount the tax rates are applied to.
Effective tax rate
Total tax divided by total income. It shows your average rate, which is always lower than your top bracket.
Indexation
Raising what an asset cost you in line with inflation before working out the gain. In India it is still an option for property bought before 23 July 2024.
Marginal tax rate
The tax on your next dollar, pound or rupee of income. It includes side effects such as allowance tapers.
Offset / rebate
Australian and Indian names for a tax credit: an amount taken directly off the tax you owe.
Standard deduction
A flat deduction you get without keeping receipts. In the US it is $16,100 for single filers in 2026. In India, salaried people get ₹75,000 under the new regime.
Surcharge
An extra percentage on top of the tax for high incomes. India's surcharge starts at ₹50 lakh of income.
Tax residency
Whether a country treats you as resident for tax. It is usually based on days present (such as 183 in Singapore) or where your home is, and it decides which rates and reliefs you get.
Withholding
Tax your employer or bank deducts and pays on your behalf: PAYE, TDS, PAYG or source deductions. It is credited against your final bill.
Year of Assessment (YA)
Singapore taxes income in the following year. YA2027 covers income earned in 2026.

Recently updated for 2026

All 157 calculators →
🇨🇦 Canada · 2026
Retirement Income Tax Calculator
RRSP & RRIF withdrawals, OAS clawback, every province
🇨🇦 Canada · 2026
RRSP Tax Savings Calculator
Your refund from an RRSP contribution
🇨🇦 Canada · 2026
Sales Tax Calculator
GST, HST, PST and QST for every province
🇺🇸 USA · 2026
401(k) Tax Savings Calculator
Federal + state savings, match and new limits
🇮🇳 India · FY 2026-27
Capital Gains Tax Calculator
STCG 20%, LTCG 12.5% and the ₹1.25 lakh exemption
🇬🇧 UK · 2026/27
UK Income Tax Bands
England, Wales, NI and Scotland rates
🇸🇬 Singapore · 2026
Salary Calculator
Take-home pay after CPF and income tax
🇸🇬 Singapore · 2026
Property Tax Calculator
Annual Value, HDB and private rebate
🇸🇬 Singapore · YA2027
Income Tax Rates
Resident and non-resident rates explained
✍️ Guide · USA
W-2 vs 1099 in 2026
Take-home pay compared on the same salary
✍️ Guide · USA
Capital Gains Tax Rates 2026
0%, 15% and 20% brackets with examples
📅 All countries
Global Tax Calendar
Every upcoming filing and payment date

How it works

1

Pick your country

Choose from 8 countries, each built around how that country's tax system actually works — regimes, brackets, federal vs. state, whatever applies.

2

Enter your numbers

Plug in your income, deductions, or relevant details into the calculator. Nothing is saved, tracked, or emailed — the calculation happens right in your browser.

3

Get an instant, itemized estimate

See exactly how the number breaks down — bracket by bracket — plus links to related guides if you want the full context before filing.

Why people use IncomeTax.tools

🌍

Built country-by-country, not templated

Each country's calculators are built around its actual tax structure — India's Old vs New Regime, the UK's National Insurance, Canada's CPP/EI, Singapore's CPF — not a generic formula reused everywhere.

🔓

No signup, no paywall

Every calculator and guide is free to use, with no account, no email capture, and no artificial limit on how many times you use it.

📅

Reviewed for the current tax year

Every page shows the tax year or Year of Assessment it reflects, along with a last-reviewed date, so you know exactly how current the figures are.

🧮

Itemized, not a black box

Results show the full breakdown — which bracket applied, what got deducted, what the effective rate works out to — instead of just a single final number.

Frequently asked questions

View all FAQs →
Is IncomeTax.tools free to use?

Yes. Every calculator, guide, and reference page on this site is completely free — no signup, no account, no paywall, and no limit on how many times you use them.

How accurate are the calculators?

Our calculators are built from publicly available tax rules and reviewed periodically, but they produce estimates for planning purposes, not final or authoritative figures. Tax law changes frequently and individual situations vary, so always confirm your final numbers with a qualified tax professional or your country's official tax authority before filing. See our full disclaimer.

Do you store or share the numbers I enter?

No. Calculations run directly in your browser — the income figures and personal details you enter into a calculator are never transmitted to or stored on our servers.

Which countries do you currently cover?

India, the USA, the UK, Canada, the UAE, Australia, Singapore, and Indonesia are live today, each with a full set of calculators and guides. More countries are planned — see our full sitemap for everything currently available.

Can I suggest a new calculator or report an error?

Yes, please do — accuracy matters to us. Use the contact page to flag an outdated figure, suggest a new calculator, or request a country we haven't covered yet.

Are the calculators updated for 2026?

Yes. Rates are reviewed country by country for the current tax year: FY 2026-27 in India, 2026 in the USA, Canada, Singapore and Indonesia, 2026/27 in the UK and 2026-27 in Australia. Each page shows the tax year it covers and when it was last updated.

What is the difference between a marginal and an effective tax rate?

Your marginal rate is the tax on your next unit of income. Your effective rate is your total tax divided by your total income. In England, someone earning £60,000 has a 40% marginal rate but pays £11,432 in income tax, an effective rate of 19.1%. Use the marginal rate to judge a raise or a deduction, and the effective rate for budgeting.

Is a tax deduction or a tax credit worth more?

It depends on your income. A deduction reduces taxable income, so it saves tax at your marginal rate and is worth more to higher earners. A credit comes directly off your tax bill and is worth the same to everyone who can use it. For example, Canada's $16,452 federal basic personal amount is a 14% credit worth about $2,303.

Can a pay rise ever reduce my take-home pay?

Under ordinary tax brackets, no: only the extra income is taxed at the higher rate. Cliffs are the exception. In India, crossing ₹12 lakh of total income through capital gains removes the whole rebate. In the UK, income between £100,000 and £125,140 is taxed at an effective 60%, and tax-free childcare stops completely at £100,000.

Is income up to ₹12 lakh tax-free in India?

Under the new tax regime for FY 2026-27, yes. The Section 87A rebate of up to ₹60,000 brings tax to zero on taxable income up to ₹12 lakh, or about ₹12.75 lakh of salary after the ₹75,000 standard deduction. The rebate doesn't cover income taxed at special rates, such as capital gains on shares. Budget 2026 left the slabs unchanged.

When are the main tax filing deadlines?

India: 31 July (ITR, non-audit cases). USA: 15 April. Canada: 30 April (15 June if self-employed, but tax is still due 30 April). UK: 31 January (online Self Assessment). Australia: 31 October (self-lodgers). Singapore: 18 April (e-filing). Indonesia: 31 March (SPT Tahunan). UAE has no personal income tax. See the global tax calendar for every date.

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Every calculator on this site produces an estimate for planning purposes only — not tax advice. Tax laws change, and individual situations vary. Always verify figures with a qualified CA or tax professional, or the official tax authority for your country, before filing. See our full disclaimer.