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How to use Take Home Pay Calculator

Enter your gross salary and each deduction such as tax, provident fund and other withholdings. The calculator subtracts them to show your net take-home pay.

Frequently asked questions

How is take-home pay calculated?

Take-home pay is gross salary minus all deductions such as income tax, provident fund, professional tax and insurance. What remains is your net in-hand amount.

Why is my take-home lower than my CTC?

CTC includes employer contributions and benefits you never receive as cash, such as the employer PF share and gratuity, which are deducted before your net pay.

Does this include tax accurately?

It gives a close estimate based on the deductions you enter. Exact tax depends on your regime, exemptions and investments, so treat the result as a guide.

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