DTAA Tax Calculator for NRIs
Calculate Double Taxation Avoidance Agreement benefits on your Indian income as an NRI. See standard rate vs DTAA rate comparison with visual results for all income types.
Calculate Your Tax Benefits
Enter your details to see potential tax savings
Enter your details and click "Calculate Tax Savings" to see your DTAA tax analysis
Understanding DTAA and Your Tax Benefits
If you're earning income from India while living abroad (or vice versa), you might be paying taxes twice on the same money. That's where Double Taxation Avoidance Agreement (DTAA) comes in - a treaty between two countries that prevents you from being taxed twice on the same income. Instead of paying 30% in India, you might only pay 10-15% under DTAA.
Our calculator shows you three things instantly: your India tax liability, your home country tax liability, and your total savings. Just enter your country, income amount, income type (like NRE account interest or dividends), select the financial year, and see your complete tax breakdown with visual charts in seconds.
How to Use the DTAA Tax Calculator
Enter four details to get your complete tax analysis:
Step 1: Select Your Country of Residence
Choose from 90+ countries where India has tax treaties (USA, UAE, Singapore, UK, Canada, Australia, etc.). The calculator loads your country's specific treaty rates automatically.
Step 2: Enter Your Income Amount
Input your total income in rupees. For example, ₹1,00,000 for interest from your NRE account or ₹5,00,000 for dividend income. Be precise for accurate tax calculations.
Step 3: Choose Your Type of Income
Select from: NRE/FCNR Account Interest, Dividend Income, Royalty Income, Technical Service Fees, Capital Gains, or Rental Income. Each income type has different treaty rates, so selecting the right category is important for accuracy.
Step 4: Select the Financial Year
Choose the relevant year (like 2025-2026). Treaty rates are generally stable, but selecting the correct year ensures your calculations match the applicable rates.
Click "Calculate Tax Savings" and you'll instantly see your results with detailed breakdowns and visual charts.
When Should You Use This Calculator?
Before Making Investment Decisions
Planning to invest in Indian fixed deposits, stocks, or real estate? Use the calculator to understand your after-tax returns. A 7% FD might give you 6.3% after tax if you're in UAE, or 4.9% if standard 30% applies without DTAA.
When Filing Tax Returns
Calculate your India tax liability for accurate ITR filing. The calculator shows exactly what tax you should have paid, helping you claim refunds if excess was deducted.
Before Moving Countries
Relocating abroad or returning to India? Check how it affects your tax on Indian income. A move from Singapore (15% interest tax) to UAE (10% interest tax) could save thousands annually.
Comparing Income Sources
Have flexibility in structuring income? The calculator helps you decide whether salary, dividends, or consulting fees (royalties) are more tax-efficient for your situation.
During Financial Planning
Use it when budgeting annual expenses, planning retirement income, or evaluating whether to keep Indian investments versus moving funds to your home country.
Understanding Your Calculator Results
The calculator displays your results in five comprehensive parts:
Summary Cards at the Top
Three cards show your India tax liability, your country's tax, and total savings (highlighted in green with percentage). These give you the quick overview of your tax situation.
Tax Analysis Details
Side-by-side boxes comparing Standard India Rate (30% in most cases) versus DTAA Rate (10-15% depending on country), along with your income details and country information.
Bar Chart
Visual comparison showing the standard rate tax (taller bar) versus DTAA rate tax (shorter bar). The difference between them represents your actual savings.
Pie Chart
Shows what percentage of your income goes to tax (blue slice) versus what you save (green slice), plus three boxes breaking down the exact amounts in rupees.
Information Box
A disclaimer reminding you that this calculator provides estimates based on current DTAA rates. Always consult a tax professional for personalized advice specific to your situation.
All amounts shown in ₹ (Indian Rupees). Green indicates your tax savings, while standard rates are shown for comparison.
DTAA and Tax Terms Explained
What is DTAA (Double Taxation Avoidance Agreement)?
A bilateral tax treaty between India and another country designed to prevent the same income from being taxed in both countries. Under DTAA, your tax rate on specific types of income is reduced to the lower of the two country rates.
India Tax Liability
The amount of tax you actually owe to India on your income when you apply the DTAA rate. This is typically lower than the standard 30% India rate.
Standard India Rate
The default withholding tax rate in India without DTAA benefits (usually 30%). This is what you'd pay if the treaty didn't exist.
DTAA Rate
The reduced tax rate available under the bilateral tax treaty for specific income types. Rates vary by country (typically 5-20%) and by income type.
Tax Savings
The difference between the standard India rate tax and the DTAA rate tax. This is the money you save by being eligible for DTAA benefits.
NRE Account Interest
Interest earned on Non-Resident External bank accounts. These accounts allow NRIs to earn interest on foreign currency deposits with favorable tax treatment under many DTAAs.
FCNR Account
Foreign Currency Non-Resident account. Similar to NRE but holds foreign currency directly. Interest rates are similar and tax treatment is consistent.
TDS (Tax Deducted at Source)
Tax automatically withheld by the payer (like your bank) when paying you income. Banks in India deduct TDS at the standard rate unless you provide proof of lower DTAA eligibility.
Foreign Tax Credit
Tax credit you can claim in your home country for taxes already paid to India. This prevents double taxation when both countries tax the same income.