NRI Tax Calculator India 2026: TDS Rates and Tax Liability
Work out the TDS and tax on your India income as a Non-Resident Indian โ fixed deposit interest, rent, equity and property capital gains and dividends โ with optional DTAA treaty rates. Free and private.
Last updated: June 2026
TDS rates below apply to NRIs. RNOR/ROR are taxed on slab rates on Indian income; foreign income differs by status.
Results
๐ฑ LRS & repatriation
Under the Liberalised Remittance Scheme, NRIs can repatriate up to USD 1 million per financial year from an NRO account after paying applicable taxes (Form 15CA/15CB). NRE and FCNR funds are freely repatriable.
๐ What NRIs can & cannot invest in
- โ Cannot open: PPF, SSY, NSC, Senior Citizen Savings Scheme
- โ Can invest in: NPS, ELSS, equity, real estate, NRE/NRO/FCNR deposits
Know your India tax before the money is deducted
If you live abroad but still earn in India, the tax is usually taken before you ever see the money. This NRI tax calculator shows the TDS and tax on each kind of India income so there are no surprises. Pick the income type, enter your numbers, and you get the tax deducted, the net you keep, and how it compares with resident rates.
The rates for Non-Resident Indians are deliberately blunt because the bank or tenant cannot see your full picture. NRO fixed-deposit interest loses 30% to TDS, against just 10% for a resident. Rent is hit with 30% TDS by the tenant, dividends with 20%, and capital gains at the long-term or short-term rate. Equity held over a year is taxed at 12.5% above the โน1.25 lakh exemption; held under a year, at 20%. Property held over two years is taxed at 12.5% with no indexation.
The good news is you rarely pay the full headline rate. A DTAA treaty between India and your country of residence can cut the rate on interest and dividends to 10-15%, and you can claim a refund when you file if too much was withheld. NRIs cannot open a new PPF or SSY account, but NPS, ELSS, equity and real estate are all open to you. Compare the options with our EPF vs NPS guide.
Financial Disclaimer: This calculator gives estimates of TDS and tax on India income for NRIs using rates current in June 2026. DTAA rates are indicative; your actual treaty rate, surcharge, cess and refunds depend on your specific situation. Consult a chartered accountant before acting. Full disclaimer.
How it works
Three quick steps โ no account, nothing uploaded to a server.
Pick your income type
Choose FD interest, rent, equity or property gains, or dividends.
Enter your figures
Add the amounts and dates, and select a DTAA country if it applies.
See your TDS and tax
Get the tax deducted, the net you keep and any DTAA saving instantly.
Rates and rules on this page are verified against Income Tax Department, India. Last checked July 2026.
FAQ
Frequently asked questions
Who is treated as an NRI for income tax in India?
You are a Non-Resident Indian (NRI) for a financial year if you stay in India for less than 182 days in that year (with some additional 60-day and 365-day conditions for certain cases). RNOR (Resident but Not Ordinarily Resident) is a transitional status with limited Indian taxation of foreign income, while ROR (Resident and Ordinarily Resident) is fully taxable on worldwide income. Only income that arises or is received in India is taxable for an NRI, and it is usually collected through TDS at higher rates than for residents.
Why is TDS higher for NRIs?
Banks and tenants deduct tax at source (TDS) at flat NRI rates because the deductor cannot assess your overall slab. NRO fixed deposit interest attracts 30% TDS versus 10% for residents, rent attracts 30%, dividends 20%, and capital gains at the applicable LTCG or STCG rate. You can claim a refund when you file your return if your actual liability is lower, or reduce the deduction up front using a DTAA treaty rate or a lower-deduction certificate under Section 197.
What is DTAA and how does it help?
A Double Taxation Avoidance Agreement (DTAA) is a treaty between India and another country that prevents the same income being taxed twice. India has DTAAs with 90+ countries. If you are tax-resident in a treaty country, you can often have TDS deducted at a lower treaty rate (for example 10-15% on interest or dividends instead of 30%/20%) by submitting a Tax Residency Certificate and Form 10F. Toggle a country in the FD and dividend tabs to see the indicative treaty rate.
Can an NRI invest in PPF, SSY or NPS?
NRIs cannot open new PPF, SSY (Sukanya Samriddhi), NSC or Senior Citizen Savings Scheme accounts. An existing PPF account opened while you were a resident can be continued until maturity but not extended. NRIs can invest in NPS, ELSS mutual funds, equity and real estate, and can hold NRE, NRO and FCNR fixed deposits. NRE and FCNR interest is tax-free in India, while NRO interest is taxable with 30% TDS.
What is the LRS limit for repatriation?
Under the Liberalised Remittance Scheme (LRS), a resident individual can remit up to USD 250,000 per financial year. For NRIs, balances in an NRO account can be repatriated up to USD 1 million per financial year after paying applicable taxes and filing Form 15CA/15CB. NRE and FCNR funds are freely repatriable. This calculator estimates the Indian tax and TDS; consult a chartered accountant for the repatriation paperwork.