Salary Calculator (Monthly ↔ Annual)
Calculate your estimated take-home salary using a simple breakdown: gross pay + bonus minus common deductions like PF and professional tax. This is a practical estimate for planning — always verify with your salary slip.
Input mode
Switch between monthly and annual gross.
Enter your gross figure before deductions. Use numbers only.
Add yearly bonus/incentive amount if you receive it.
Monthly deductions
These reduce your take-home pay.
Example: insurance premium, canteen, loans, etc.
Show CTC view (optional)
Adds employer contributions (like employer PF) to show a CTC-style total.
Estimated take-home (monthly)
₹80,000
After PF + professional tax + other deductions.
Estimated take-home (annual)
₹9,60,000
Includes annual bonus (if entered).
Breakdown
Quick summary of how we computed the estimate.
Tip
For best accuracy, copy PF/professional tax values from your salary slip. Tax (TDS) rules vary by regime, exemptions, and deductions, so we keep this tool simple.
Want to plan monthly spending next?
Try EMI calculatorA salary calculator helps you estimate your take-home pay by starting with your gross salary and subtracting common deductions. People often use it for budgeting, switching jobs, negotiating offers, and planning fixed commitments like rent or EMIs.
In most payroll structures, your “gross salary” is the amount before deductions. Your “take-home salary” (also called “net salary”) is what you actually receive in your bank account after deductions like employee PF, professional tax, insurance premiums, or other items.
Companies may also talk about “CTC” (Cost to Company). CTC can include employer contributions (like employer PF), benefits, insurance, and other components that are not directly paid to you monthly. That’s why your CTC and take-home can look very different.
- Gross salary: total salary before deductions.
- Net salary (take-home): salary after deductions.
- Deductions can include PF, professional tax, insurance, and other payroll items.
- Taxes (TDS) depend on your income, regime, exemptions, and deductions — and can change over time.
This tool focuses on a practical breakdown that is easy to understand and useful for planning. If you want a full tax calculator later, you can build a separate “Income Tax Calculator” tool.
Is this salary calculator accurate?
It’s a practical estimate. For exact results, use your salary slip and official tax computations. Actual take-home can vary due to TDS, benefits, reimbursements, and company-specific policies.
Why is my CTC higher than take-home?
CTC can include employer contributions and benefits that are not paid as cash monthly. Take-home reflects what you receive after deductions.
Can I use this for budgeting?
Yes. Your monthly take-home estimate is great for planning rent, EMIs, savings targets, and fixed monthly expenses.
Does this include income tax?
No. Income tax calculations depend on many personal factors. This tool keeps things simple and fast by focusing on common deductions you can directly enter.
Continue building your financial plan with more free tools.
Explore all tools