Take-Home Pay Calculator — Gross Salary Minus Your Deductions

How to use the take-home pay calculator

1. Enter your Gross salary and choose whether it is Per month or Per year.
2. Enter Income tax (TDS) for the same period. If you do not know it, estimate it first with the Income Tax Calculator.
3. Fill in Provident fund / pension contribution, Professional tax, Health or life insurance deducted and Other deductions from your payslip. Leave any that do not apply at 0.
4. Pick your currency.
5. Read your take-home per month and per year, total deductions and their share of your gross pay. The donut chart shows where the money goes.

What it does and when to use it

This is a simple, transparent tool: gross pay minus the deductions you type in. It does not guess any tax or contribution, so the result is only as good as the figures you enter. That makes it useful when:

• You have a payslip or an offer letter and want to check the net figure.
• You are comparing two job offers and know the deductions for each.
• You are planning a budget and want your yearly take-home from a monthly figure.
• You want to see how a change, such as a higher PF contribution or a new insurance premium, moves your net pay.

If you would rather have the tax worked out for you, use a country-specific tool. For Indian salaries, the CTC to In-Hand Calculator starts from your CTC and estimates tax and PF. For the US, use the Paycheck Calculator, and for the UK, the UK Take-Home Pay Calculator.

How it works

The formula is:

Take-home = Gross salary − (income tax + PF/pension + professional tax + insurance + other)

If you entered a monthly salary, yearly take-home is the monthly figure × 12. If you entered a yearly salary, monthly take-home is the yearly figure ÷ 12. The share of gross is total deductions ÷ gross × 100. Everything runs in your browser and nothing you type is stored.

Worked examples

A monthly Indian payslip. Gross ₹1,00,000 a month, with ₹8,000 TDS, ₹6,000 PF and ₹200 professional tax. Total deductions are ₹14,200, or 14.2% of gross. Take-home per month: ₹85,800.00, and take-home per year: ₹10,29,600.00.

A yearly salary in dollars. Gross $60,000 a year, with $6,000 income tax, $3,000 pension and $1,200 insurance. Total deductions are $10,200, or 17% of gross, leaving $49,800 a year. That is take-home per month: $4,150.00.

Limits and tips

• The tool trusts your figures. If deductions add up to more than the gross salary, it warns you to check them.
• Bonuses, arrears and one-off deductions make a single month look different. Use yearly figures if your pay varies.
• Professional tax is set by each state in India and is not levied everywhere. Copy it from your payslip.
• Employer contributions (for example the employer’s PF share) are not taken from your pay, so do not enter them here.
• If you are paid by the hour, the Overtime Pay Calculator helps you work out gross pay first.