USD$ = 95.81₹ GBP£ = 128.60₹ EUR€ = 111.17₹ CAD$ = 69.44₹ AUD$ = 68.30₹ AED = 26.09₹ SGD$ = 74.86₹ NZD$ = 56.14₹ SEK = 10.22₹
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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 new tax regime (115BAC) in India for FY 2025-26. Country-side calculations exclude state taxes, NI, FICA, and provincial tax. For exact tax position in a specific country, use the country-specific calculator.

Common Questions

The Double Taxation Avoidance Agreement (DTAA) is a treaty between India and 90+ countries that prevents you from paying tax on the same income in both India and your country of residence. The mechanism: India taxes the income first (TDS or filing), then your country of residence taxes you again but gives credit for the Indian tax paid. The credit is capped at whichever is lower — your country’s tax on that income, or the Indian tax actually paid.
Useful for comparative planning, not precise filing. The estimator uses simplified tax rules — UK Personal Allowance without the £100K taper, US federal without state tax or FICA, Canada federal without provincial tax. For exact tax position, use our country-specific calculators ( UK , US , UAE , Canada ) which model the full rules.
On Indian-source income alone, the UAE and Singapore score best because they don’t tax foreign-source income at all. Among taxing countries, the UK is competitive for low-to-mid income (£50K personal allowance + dividend allowance helps). The US is generally the worst because of citizenship-based taxation, FATCA, and state taxes. Canada sits between the UK and US. But: this is purely tax — cost of living, immigration, family ties, and lifestyle matter more than tax savings of a few thousand pounds.

No. It models federal/national tax only. For accurate planning:

  • US: add 0-13% state income tax (NY ~7-10%, California ~9-13%, Texas 0%, Florida 0%)
  • Canada: add 4-25% provincial tax (Alberta lowest, Quebec highest)
  • UK: add only Scotland surcharge if applicable
  • UAE/Singapore: no further additions
The estimator assumes long-term capital gains (LTCG) on listed equity at 12.5% after Rs 1.25 lakh exemption. For other asset types (immovable property, debt mutual funds, gold), the rates differ. The result tab applies a 4% cess on Indian tax. For a precise capital gains scenario, use our country-specific calculators .
Compare the “Total tax” row across the UK and UAE cards. If your Indian income is significant (rent, dividends, FD interest), the UAE total tax will be approximately equal to your Indian tax only (no UAE income tax), while the UK total adds UK tax above DTAA credit. The difference is your annual tax saving from relocating. Caveat: this assumes you fully break UK residency — the actual transition involves UK Statutory Residence Test, RNOR considerations on Indian side, and exit planning.
For most middle-income NRIs, UK marginal rates on Indian-source income (after personal allowance and dividend allowance) are close to Indian rates — typically 20-40% in UK vs 5-30% in India. The DTAA credit absorbs the lower of the two. So if India taxes you 20% and UK taxes you 25%, you pay 20% to India and 5% net to UK. Both numbers shown.

Country-specific calculators

UK NRI Tax

US NRI Tax

UAE NRI Tax

Canada NRI Tax

Last reviewed: May 2026

Why Compare Tax Across Countries?

If you’re an NRI making a permanent move (returning to India, relocating to UAE for tax efficiency, moving from US to UK, etc.), the tax position on your Indian income matters. So does the tax position on your foreign income, but that’s specific to each country’s domestic rules. This estimator focuses on the Indian income piece — how each country taxes you on what you earn from India.

Three Insights from This Tool

1. UAE and Singapore are genuinely tax-efficient for NRIs

Neither taxes your foreign-source Indian income. You pay only Indian tax on Indian rent, FD interest, and capital gains. This is structural, not a loophole — these countries operate territorial tax systems.

2. The US is uniquely punishing

US citizens and Green Card holders are taxed on worldwide income. FATCA reporting is intensive. Indian mutual fund PFIC rules make investing in Indian MFs nearly impossible. Even after DTAA credit, your US tax exposure on Indian income is significant.

3. The UK is more competitive than NRIs realise

With the Personal Allowance (£12,570), Dividend Allowance (£500), and reasonable bands up to £50K, a UK NRI with modest Indian rental and dividend income often pays very little net UK tax after DTAA credit. The UK is generally more favourable than the US or Canada for NRIs.

What This Doesn’t Tell You

  • Cost of living differences — UK at £50K ≠ UAE at AED 250K
  • Quality of life — schools, healthcare, immigration security
  • Foreign income tax — this only covers your Indian income, not your salary in the new country
  • Departure tax considerations — if leaving Canada or the UK, exit-tax rules apply on certain assets
  • Pension and retirement planning — totalisation agreements matter (US-India social security totalisation exists; UK-India does not)

A Note on Methodology

  • India: FY 2025-26 new tax regime, 4% cess, LTCG 12.5% above Rs 1.25L
  • UK: 2024-25 personal allowance £12,570, basic/higher/additional bands
  • US: 2025 brackets, single filer, $15K standard deduction, federal only
  • Canada: 2025 federal brackets, basic personal amount $16,129, federal only
  • UAE: 0% personal income tax
  • Singapore: Foreign-source income generally not taxed for individuals

Use country-specific calculators for exact filing.

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

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