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Multi-country DTAA estimator

How would the same Indian income be taxed if you lived in each country?

How this works: Enter your Indian income and see how the same income would be taxed if you were resident in the UK, US, UAE, Canada, or Singapore — including the Indian tax already paid and DTAA credit applied. Useful when comparing NRI destinations or planning relocation.

Your Indian income (INR)

Assumes the new tax regime in India for FY 2026-27. Country-side calculations exclude state taxes, NI, FICA, and provincial tax. For exact tax position in a specific country, use the country-specific calculator.

What this means

  • On of Indian income, the lowest total tax is in () and the highest in ().
  • On of Indian income, the total is wherever you live: each country's own tax on it is covered by the credit for the Indian tax, so only India's charge is left.
  • The treaty credit is capped at the smaller of the Indian tax and your country's tax on the same income. Where your country's rate is higher, you pay the difference there; where India's is higher, the extra Indian tax is not refunded.
  • Country figures are national tax only. State and provincial taxes, and NI or FICA, would come on top.
The link holds the numbers above, so whoever opens it sees the same result. Nothing is stored by us.

Country-specific calculators

UK NRI Tax

US NRI Tax

UAE NRI Tax

Canada NRI Tax

NRIWallah team

Updated October 2026

Why compare tax across countries

If you are making a permanent move, such as returning to India, relocating to the UAE or moving from the US to the UK, the tax on your Indian income matters. The tax on your foreign income also matters, but it follows each country’s domestic rules. This estimator covers the Indian income only: how each country taxes what you earn from India.

What the comparison shows

The UAE and Singapore do not tax most foreign income. You pay only Indian tax on Indian rent, FD interest and capital gains. The UAE has no personal income tax, and Singapore generally does not tax foreign-source income received by individuals.

The US taxes citizens and green-card holders on worldwide income. FATCA reporting is heavy, and Indian mutual funds are usually treated as passive foreign investment companies, which makes them costly to hold. Even after the treaty credit, US tax on Indian income can be significant.

The UK can cost little on modest Indian income. With a £12,570 personal allowance, a £500 dividend allowance and a 20% basic rate up to £50,270, a UK NRI with modest Indian rent and dividends often pays little net UK tax after the credit (UK rates as of 2026-27).

What it does not cover

  • Cost of living, schools, healthcare and immigration security.
  • Tax on your foreign salary in the new country.
  • Exit taxes on certain assets when leaving Canada or the UK.
  • Pension and retirement planning, including social security agreements.

Methodology

  • India: FY 2025-26 new tax regime, 4% cess, long-term gains at 12.5% above Rs 1.25 lakh.
  • UK: 2026-27 personal allowance of £12,570, the basic, higher and additional bands, and dividend rates of 10.75%, 35.75% and 39.35%.
  • US: 2025 brackets, single filer, $15,750 standard deduction, federal tax only.
  • Canada: 2025 federal brackets, lowest rate 14.5%, basic personal amount of CAD 16,129 as a credit, federal tax only.
  • UAE: 0% personal income tax.
  • Singapore: foreign-source income generally not taxed for individuals.

Use the country calculators for exact filing, and the RNOR tracker if you plan to return to India. Selling or letting Indian property has its own rules, covered by the rent TDS calculator and the property sale TDS calculator .

NRIWallah does not provide tax advice. This estimator is for comparison only, so consult a cross-border tax adviser before making relocation decisions.

Common questions

A double taxation avoidance agreement is a treaty between India and another country, and India has them with more than 90 countries. India taxes the income first, through TDS or your return. Your country of residence then taxes it again but credits the Indian tax. The credit is capped at the lower of your country’s tax on that income and the Indian tax actually paid.
It is for comparing countries, not for filing. It uses simplified rules: no UK personal allowance taper, US federal tax without state tax or FICA, Canadian federal tax without provincial tax, and listed-equity long-term gains at 12.5% after the Rs 1.25 lakh exemption. For other assets such as property, debt funds and gold, Indian rates differ. The country calculators ( UK , US , UAE , Canada ) model the fuller rules.
No, only federal or national tax. US states add their own income tax, which is zero in states such as Texas and Florida and above 10% in some others. Canadian provinces add provincial tax. Scottish taxpayers in the UK pay different rates. The UAE and Singapore add nothing.
Compare the total tax row for the two countries. The UAE total is roughly the Indian tax alone, because the UAE has no personal income tax, while the UK total adds UK tax beyond the treaty credit. The difference is your yearly saving on Indian income. The estimate assumes you fully break UK residency, which depends on the UK residence test , and your Indian status also changes.
Many middle-income NRIs face UK rates on Indian income that are close to Indian rates, and the credit absorbs the lower of the two. If India taxes you at 20% and the UK at 25%, you pay 20% to India and about 5% net to the UK. The estimator shows both figures.

Every rate and threshold here is sourced, dated and shown on the page — but tax rules change, and we would rather be told than be wrong. Reports go to the team that maintains the tool. If you can point at the official source, that gets it fixed fastest.

No account needed. We don't publish your email or add you to anything.

Prefer email? admin@nriwallah.com. How we source and review these numbers is set out in our methodology.

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