Salary Calculator
Gross to net pay with statutory deductions
- Take-home₹95,00095%
- Provident fund₹4,8004.8%
- Professional tax & other₹2000.2%
| Take-home | ₹95,000 | 95.0% |
| Provident fund | ₹4,800 | 4.8% |
| Professional tax & other | ₹200 | 0.2% |
| Basic | ₹40,000 | 40.0% |
| HRA | ₹20,000 | 20.0% |
| Special allowance | ₹40,000 | 40.0% |
Monthly payslip breakdown
| Component | Monthly | Annual |
|---|---|---|
| Basic + DA | ₹40,000 | ₹4,80,000 |
| HRA | ₹20,000 | ₹2,40,000 |
| Special allowance | ₹40,000 | ₹4,80,000 |
| Gross salary | ₹1,00,000 | ₹12,00,000 |
| − Employee PF | ₹4,800 | ₹57,600 |
| − Professional tax | ₹200 | ₹2,400 |
| − Income tax | ₹0 | ₹0 |
| − Other deductions | ₹0 | ₹0 |
| Net take-home | ₹95,000 | ₹11,40,000 |
Understand the result
About the Salary Calculator
What is take-home salary?
Take-home (or net) salary is what is credited to your bank account each month after deductions. Your gross monthly salary — basic, HRA and allowances — is reduced by your provident fund contribution, professional tax where your state levies it, income tax deducted at source (TDS) and any other deductions such as meal cards or loan recoveries.
This salary calculator breaks your gross salary into basic, HRA and special allowance, then subtracts PF, professional tax and estimated income tax under your chosen regime to show your monthly and annual take-home pay.
How this calculator works
Your gross salary is split into basic, HRA and a residual special allowance. Basic matters more than its size suggests: PF, gratuity and HRA exemption are all calculated on it, so two people with the same gross salary can take home different amounts.
From gross, three things are deducted: 12% of basic as provident fund, professional tax levied by your state, and income tax as TDS. What remains is your take-home.
Income tax is calculated with the same engine as the full income tax calculator, using the regime and financial year you select, so the monthly TDS figure is realistic rather than a flat estimate.
Formula
Basic = gross × basic % HRA = basic × HRA % Special allowance = gross − basic − HRA Employee PF = 12% of basic (or of ₹15,000 if the ceiling applies) Take-home = gross − PF − professional tax − income tax − other deductions
Worked example
- Gross ₹1,00,000 a month, basic 40% (₹40,000), HRA 50% of basic (₹20,000).
- PF = 12% of ₹40,000 = ₹4,800. Professional tax ₹200.
- Under the new regime for FY 2026-27, tax on ₹12,00,000 gross is about ₹4,875 a month after the standard deduction and rebate — leaving roughly ₹90,000 in hand.
Take-home pay at common salaries
| Monthly gross | Employee PF | Income tax (TDS) | Monthly take-home |
|---|---|---|---|
| ₹50,000 | ₹2,400 | ₹0 | ₹47,400 |
| ₹1,00,000 | ₹4,800 | ₹0 | ₹95,000 |
| ₹2,00,000 | ₹9,600 | ₹24,375 | ₹1,65,825 |
The parts of a salary
- Basic salary: usually 40%–50% of gross; PF, gratuity and HRA are calculated on it.
- House rent allowance (HRA): partly tax-exempt in the old regime if you pay rent.
- Special allowance: the balancing figure; fully taxable.
- Employee PF: 12% of basic (or of the ₹15,000 wage ceiling), saved in your EPF account.
- Professional tax: a state tax of up to ₹2,500 a year, deducted monthly in states that levy it.
- TDS: income tax spread across the year’s salary payments by your employer.
Assumptions & important notes
What this calculator assumes
- The tax estimate assumes salary is your only income and no deductions beyond the standard deduction (plus PF and professional tax if you choose the old regime).
- Employer PF is shown for information but is not deducted from your gross — it sits on top, inside your CTC.
- Professional tax rates vary by state; ₹200 a month is the common figure where it applies.
Important notes
- Claiming HRA exemption under the old regime can raise take-home noticeably if you pay rent — use the Income Tax Calculator to model it properly.
- A higher basic increases PF, which lowers take-home but raises your retirement savings. It is a shift, not a loss.
Frequently asked questions
Why is my take-home lower than this?
Common reasons are a higher basic than assumed, employer-specific deductions such as insurance or a canteen, NPS contributions, or TDS being front-loaded early in the financial year.
Is gross salary the same as CTC?
No. CTC also includes the employer’s PF contribution, gratuity accrual and benefits like insurance. Gross salary is what appears on your payslip before deductions. Use the CTC to In-Hand calculator to go from one to the other.
Can I reduce my PF deduction?
Only if your employer restricts PF to the ₹15,000 wage ceiling, which many do. It raises take-home by a few thousand a month but reduces long-term retirement savings that earn 8.25% tax-free.
What is professional tax?
A tax levied by some state governments on salaried people and professionals, capped at ₹2,500 a year. Maharashtra, Karnataka, West Bengal, Tamil Nadu and several other states levy it; many others do not. It is deductible from salary income in the old regime.
PaiseWise runs entirely in your browser — the figures you enter are never sent anywhere. Results are estimates for planning only, not financial, tax or investment advice.