Salary take-home calculator
How it works
The calculator subtracts PF and other stated deductions from gross salary to estimate monthly and annual take-home pay.
Simple example
If gross salary is ₹60,000, PF is 12%, and other deductions are ₹2,000, the take-home estimate helps with budgeting and EMI planning.
What to look at
Use it as a starting point before planning savings, EMIs, or insurance premiums from salary.
Important note
Income tax, employer structure, allowances, and actual payroll design can change the real number.
Frequently asked questions
Is gross salary the same as in-hand salary?
No. Gross salary is before deductions.
Does this calculate exact tax?
No. It is a simple estimate.
Should I include professional tax?
Yes, under other deductions if it applies.
Can I use annual salary?
This version is designed for monthly salary.
Is PF always 12%?
Not always, depending on salary structure and rules.
Finance disclaimer
This calculator is for educational purposes only. It does not provide personalized financial, tax, legal, credit, or investment advice. Results are simplified estimates and may differ from actual bank, issuer, employer, lender, or tax outcomes.