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US NRI Income Tax Calculator

FY 2025-26 / AY 2026-27

US Tax on Indian income: Tax Credit Adjusted
(India → US | FY 2025-26 / AY 2026-27)

as of
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How to Use?

Indian Income (INR)

ⓘ
Rental income after deducting maintenance costs and property taxes.
ⓘ
Profit from selling assets if holding period is more than 24 months and 12 months for stock & securities.
ⓘ
Profit from selling assets if holding period is less than 24 months and 12 months for stock & securities.
ⓘ
Interest earned on an NRE account is tax-free.

US Income (USD)

ⓘ
Profit from selling shares, property, or other assets.
ⓘ
Income from letting residential/commercial properties after deducting expenses.
ⓘ
Interest from some municiapal/savings bonds is tax-free.

Disclaimer

This tax calculator is designed for estimation purposes only and should not be relied upon for actual tax calculations, financial planning, or tax filing. The results provided are based on general tax rules and may not reflect your specific tax situation, including applicable deductions, exemptions, or treaty benefits. Double taxation relief calculations are indicative and may vary based on interpretations and changes in tax laws.

Users should consult a qualified accountant or tax professional for accurate tax calculations and compliance with US and Indian tax regulations. The developers of this calculator assume no responsibility for any decisions made based on its outputs.

Indian Tax Calculation (INR)

Tax Bracket:

Regular Income Tax:

Capital Gains Tax:

Total Indian Tax:

US Tax Calculation (USD)

Tax Bracket:

Regular Income Tax:

Capital Gains Tax:

DTAA Credit Applied:

Final US Tax:

Total Worldwide Tax Liability

In USD:

In INR:

File your Indian return first

TaxBuddy can help prepare your India return and organize the figures needed for US reporting.
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TaxBuddyUS supports cross-border US and India tax advisory. Use referral code TBNRI123 for a discount.

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2025-26 US and India tax assumptions

This calculator estimates US tax on Indian income for US-based NRIs using tax year 2025 (US) and FY 2025-26 / AY 2026-27 (India) assumptions.

India assumptions

  • New tax regime under section 115BAC is used as the default estimate.
  • India slab rates used: 0% up to Rs 4 lakh, then 5%, 10%, 15%, 20%, 25%, and 30% above Rs 24 lakh.
  • Indian rental income uses a 30% standard deduction.
  • Listed equity/equity fund long-term capital gains are estimated at 12.5% after the Rs 1.25 lakh exemption.
  • Listed equity/equity fund short-term capital gains are estimated at 20%.
  • Health and Education Cess is estimated at 4% on Indian tax.

US assumptions (tax year 2025)

  • US standard deduction is $15,000 for a single filer.
  • US tax brackets used: 10%, 12%, 22%, 24%, 32%, 35%, 37%.
  • US Long-term capital gains thresholds for 2025: 0% up to $48,350, 15% up to $533,400, and 20% above.
  • US Social Security, Medicare (FICA), and state income taxes are excluded.
  • Foreign Earned Income Exclusion, FBAR, FATCA, and treaty-specific interpretations are not included.

How to file

Indian tax returns should be filed first (India’s deadline is July 31st, versus the US deadline of April 15th — with automatic extension to June 15th for expats).

TaxBuddy handles Indian ITR preparation, TDS checks, and DTAA computations. TaxBuddyUS (referral code TBNRI123) provides US-side advisory for cross-border filing.

Tax filing partners

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India tax filing

Use TaxBuddy for Indian ITR preparation, TDS checks, and tax computation.
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US tax advisory

Use TaxBuddyUS for US and India cross-border tax support.

Referral code: TBNRI123

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Core Assumptions

  • This is an estimate for planning and partner handoff only.
  • Indian capital gains fields are treated as listed equity or equity fund gains.
  • DTAA credit is estimated using an effective US income-tax rate on Indian regular income and is capped at Indian tax paid (including 4% cess).
  • Actual filings may differ based on source documents, treaty position, residential status, reliefs, losses, and adviser interpretation.
  • State income taxes, FICA, AMT, and itemised deductions are excluded.

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Last reviewed: May 2026

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