Estimate monthly and yearly take-home pay from gross salary, income tax and the monthly deductions you enter.
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Calculated from your inputs
Monthly take-home pay
Annual take-home pay
Total annual deductions
How this is calculated
Uses annual gross cash salary, entered annual income tax and entered monthly deductions. Does not convert CTC, calculate statutory PF/ESI/professional tax or decide tax deductions.
Defaults are editable examples, not current provider quotes. Results are rounded for display. These are scenarios from your inputs, not live market data or investment advice.
About the Salary calculator
Take-home pay is what reaches your bank account after deductions. This calculator subtracts the yearly tax and the monthly deductions you enter from your gross cash salary.
How the Salary calculator works
Take-home = Gross salary − Income tax − (PF + other deductions) × 12
Use gross cash salary, not cost to company (CTC). CTC also includes the employer’s PF, gratuity and benefits that are not paid out monthly.
Worked example
Example inputs
Annual gross cash salary
₹12,00,000
Annual income tax / TDS
₹60,000
Monthly employee PF deduction
₹1,800
Other monthly deductions
₹200
Calculated result
Monthly take-home pay
₹93,000
Annual take-home pay
₹11,16,000
Total annual deductions
₹84,000
Why use a Salary calculator?
Estimate in-hand pay for a job offer.
See how a change in tax or PF affects monthly pay.
Salary calculator FAQs
What is the difference between CTC, gross and net salary?
CTC is the employer’s total cost, including benefits not paid in cash. Gross salary is the cash salary before deductions. Net or take-home pay is what is credited after deductions.
Which deductions come from salary?
Commonly employee PF, professional tax in some states, income tax deducted at source, and any other deductions such as insurance or loans.
How do I estimate the income tax?
Use the income tax calculator for the year, then enter the result here.
Why is my payslip different?
Payslips spread tax across the year based on declarations, and may include variable pay or reimbursements.