Salary after tax calculator
Your monthly take-home pay from your gross salary.
₹10,00,000 (10 lakh)
Usually 40–50%. Check your offer letter or payslip
₹2,500 (2.5 thousand) · ₹2,500 in most states that charge it; enter 0 if yours doesn’t
In-hand salary (monthly)
₹81,325
₹9,75,900 a year · New regime
- Gross salary
- ₹10,00,000
- − Employee PF
- ₹21,600
- − Professional tax
- ₹2,500
- − Income tax (New regime)
- ₹0
- In-hand salary (yearly)
- ₹9,75,900
- In-hand: 97.6%
- Income tax: 0.0%
- PF and other: 2.4%
The new regime saves you ₹1,01,590 a year compared with the other regime.
Uses the income tax slabs, 87A rebate and standard deduction for the chosen year; in the old regime, your PF counts towards 80C. Allowances such as HRA, and deductions such as 80D, aren’t included; use the income tax calculator for those. An estimate, not tax advice.
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How to calculate your salary after tax
- 1
Enter your gross salary, yearly or monthly.
- 2
Set your basic salary share and how PF is deducted.
- 3
Choose the tax regime, or let the calculator pick the lower one.
- 4
See your monthly and yearly take-home pay with every deduction.
From gross salary to take-home pay
The salary on your offer letter or payslip header isn’t what reaches your bank account. Three things come out first: your provident fund contribution, professional tax in states that charge it, and income tax. This calculator takes them out in the right order and shows your monthly and yearly take-home pay.
A take-home salary calculator and net salary calculator for India: see your in-hand salary after tax.
What’s deducted
- Employee PF: 12% of basic. By law it’s compulsory only on basic up to ₹15,000 a month (₹1,800 a month), but many employers deduct 12% of the full basic. Pick the option on your payslip.
- Professional tax: up to ₹2,500 a year in states such as Maharashtra, Karnataka, West Bengal and Tamil Nadu. Enter 0 if your state doesn’t charge it.
- Income tax: under the new regime by default, with the ₹75,000 standard deduction and the section 87A rebate, or under the old regime with ₹50,000 standard deduction and your PF counted in 80C. Choose “Lower tax” to compare automatically.
A quick example
On a gross salary of ₹12 lakh with basic at 50% and PF on full basic, PF is ₹72,000 a year and professional tax ₹2,500. In the new regime, taxable income after the standard deduction is ₹11.25 lakh, so the 87A rebate makes income tax nil. Take-home pay is ₹11,25,500 a year, about ₹93,792 a month.
When to use other tools
If you claim HRA, home loan interest or 80D, the old regime may come out ahead; enter those in the income tax calculator and the HRA calculator. If you only know your CTC, start with the CTC to in-hand calculator, which also takes out employer PF and gratuity.
Your salary details stay on your device and are never uploaded.
Frequently asked questions
What is deducted from my gross salary?
Your share of provident fund (usually 12% of basic), professional tax in states that charge it (up to ₹2,500 a year), and income tax. What’s left is your take-home pay.
How much tax is there on a ₹12 lakh salary?
In the new regime, none on salary up to ₹12.75 lakh: the ₹75,000 standard deduction brings taxable income to ₹12 lakh, where the section 87A rebate makes the tax nil.
Why is PF limited to ₹1,800 a month?
By law, PF is only compulsory on basic pay up to ₹15,000 a month, so 12% is ₹1,800. Many employers deduct 12% of the full basic instead; choose the option your payslip shows.
Does it include HRA and other allowances?
It taxes your whole gross salary. HRA exemption and deductions such as 80D lower the tax only in the old regime; use the income tax and HRA calculators for those details.