NRI Tax & DTAA Calculator
Estimate your India tax liability as an NRI โ including DTAA relief, TDS credit, and net payable or refund.
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How this calculator works
As an NRI, you pay tax in India only on income earned or received in India: rent, interest, dividends, capital gains, or salary for services in India. The Double Taxation Avoidance Agreement (DTAA) prevents you from paying tax on the same income in both India and your country of residence. You get a credit for taxes paid abroad. This calculator uses new regime slabs (applicable to NRIs), applies DTAA relief, and deducts TDS already paid to give your net payable or refund.
India tax = Slab tax on India income | DTAA relief = min(India tax, Foreign tax paid) | Net payable = max(0, India tax โ DTAA relief โ TDS)
Last updated: March 2026 ยท Rates and slabs updated for FY 2025-26
File ITR even if refund is due
NRIs with TDS deducted but total tax below liability must file ITR to claim refund. Deadline: 31 July. Use ITR-2 or ITR-3 depending on income type.
UAE & Bahrain NRIs pay zero
India's DTAA with UAE means UAE-based NRIs typically pay zero India tax on most income types โ but TDS is still deducted and must be reclaimed.
NRE interest is fully exempt
Interest on NRE accounts is fully exempt from India tax โ no DTAA calculation needed. Only NRO account interest is taxable in India.
Frequently Asked Questions
NRIs with TDS deducted but total tax below liability must file ITR to claim refund. Deadline: 31 July. Use ITR-2 or ITR-3 depending on income type.
India's DTAA with UAE means UAE-based NRIs typically pay zero India tax on most income types โ but TDS is still deducted and must be reclaimed.
Interest on NRE accounts is fully exempt from India tax โ no DTAA calculation needed. Only NRO account interest is taxable in India.