Cost-to-company calculator: India
What an employee costs each month and each year: gross salary, the employer’s social security and other costs, next to what the employee takes home.
Enter the figures and press Calculate: the breakdown shows here, with the rules used.
Results are estimates for planning only, not legal, tax or payroll advice. Rates marked "estimate" are published figures Mihnaro has not confirmed; check them with the country’s tax authority, its social security body or your accountant, and your employment contract. Each rule shows its source.
Rules for India and their sources
The version in force from 2025-04-01. "Verified" rules were checked against the official source named; the others are estimates to confirm. · New tax regime (default)
Pay and working time
-
Currency: INR Legal basis cited
Reserve Bank of India · read 2026-11-01
Social security
-
Employee social security %: 12% Confirmed by the owner
Employees’ Provident Fund Organisation · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: 12% each, as widely applied; not read on the official site.).
-
Employer social security %: 12% Confirmed by the owner
Employees’ Provident Fund Organisation · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: 12% each, as widely applied; ESI is not included.).
-
Social security salary: basic only Confirmed by the owner
Employees’ Provident Fund Organisation · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: Provident fund on basic pay (and dearness allowance), on wages up to ₹15,000 a month where the scheme is compulsory.).
-
Monthly social security salary ceiling (0 = none): 15,000 Confirmed by the owner
Employees’ Provident Fund Organisation · read 2026-11-01
Confirmed by the owner on 2026-11-02.
Income tax
-
Tax brackets and allowances are: yearly Legal basis cited
Income Tax Department: new tax regime, AY 2026-27 · AY 2026-27 · read 2026-11-01
-
Income tax brackets: 0–400,000: 0% · 400,000–800,000: 5% · 800,000–1,200,000: 10% · 1,200,000–1,600,000: 15% · 1,600,000–2,000,000: 20% · 2,000,000–2,400,000: 25% · 2,400,000–∞: 30% Legal basis cited
Income Tax Department: new tax regime, AY 2026-27 · AY 2026-27 (FY 2025-26), new regime · read 2026-11-01
Read for the year from 1 April 2025; the rates for the year from 1 April 2026 (the Income-tax Act 2025) are not read yet.
-
Personal allowance: single: 0 Legal basis cited
Income Tax Department: new tax regime, AY 2026-27 · read 2026-11-01
The new regime has no personal allowance: the 0% slab up to ₹4 lakh plays that part.
-
Allowances not taxed, up to % of basic: 0% Confirmed by the owner
Income Tax Department: new tax regime, AY 2026-27 · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: House rent and most allowances are not exempt in the new regime.).
-
Social security comes off taxable income: No Confirmed by the owner
Income Tax Department: new tax regime, AY 2026-27 · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: Provident fund contributions are not deductible in the new regime.).
-
Work expenses deduction: 100%, ≤ 75,000 Confirmed by the owner
Income Tax Department: new tax regime, AY 2026-27 · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: Standard deduction of ₹75,000 for salaries in the new regime (from the official document’s search summary).).
-
Tax credits, rebates and deductions: Section 87A rebate Confirmed by the owner
Income Tax Department: new tax regime, AY 2026-27 · Sec. 87A · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: Rebate of up to ₹60,000 on income up to ₹12 lakh (read). Above it, marginal relief caps the tax at the income over ₹12 lakh (Finance Act 2025, not read).).
-
Surcharges and other taxes on pay: Health and education cess: 4% Confirmed by the owner
Income Tax Department: new tax regime, AY 2026-27 · read 2026-11-01
Confirmed by the owner on 2026-11-02 (earlier: 4% cess on the tax; surcharges on incomes over ₹50 lakh are not applied.).
New tax regime, resident individual under 60. Professional tax (by state) and the old regime’s deductions are not included.
Payroll, leave and end of service in one system
Try Mihnaro on a sample company, in English and Arabic.