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Take-home Pay Calculator
Break down every deduction between your gross pay and net salary. Adjust any input below and your results update instantly.
Understanding take-home pay
The concept, the motivation, and what to watch out for.
From your payslip's gross earnings down to what actually lands in your account
Take-home pay starts from your gross salary — Basic, HRA, and other allowances, exactly as they already appear on your payslip — and works down through every deduction: your own PF contribution, ESI if your wage qualifies, professional tax, and income tax at your slab rate.
This is different from projecting off your CTC: if you already know your Basic, HRA, and allowances from an offer letter or payslip, this calculator uses those real figures directly instead of assuming a Basic/HRA split from a single CTC number.
ESI is all-or-nothing, unlike PF
Once your gross monthly wage crosses ₹21,000, ESI stops applying entirely — there's no partial contribution the way PF proportionally caps at a wage ceiling.
PF is calculated on Basic only, not your full gross
Your HRA and other allowances don't factor into your PF contribution at all — only Basic (+DA) does.
How this calculator helps
Enter your actual Basic, HRA, and allowances — see every deduction and your real monthly take-home pay.
Break down your take-home pay
Fill in the starred fields on the left — your results update instantly on the right.
Your details
Cap employee PF at ₹15,000 wage
Off contributes on full Basic instead.
Compute tax under the old regime
Off assumes the new regime (the default since FY 2023-24).
Person with disability
Raises the ESI wage ceiling to ₹25,000.
e.g. ₹25,000 a month
e.g. ₹12,500 a month
e.g. ₹10,000 a month
e.g. ₹2,400/year (₹200/month)
These are example numbers. Edit any input on the left to see your own.
Your net take-home pay
₹45,500
96% of your gross salary
Gross salary
₹47,500
Net (yearly)
₹5.46 L
₹47,500 gross − ₹1,800 PF − ₹200 professional tax − ₹0 tax = ₹45,500 net.
From gross to net, every deduction
Every line item between your gross salary and your final take-home pay.
ComponentMonthlyAnnualStatus
Gross salary₹47,500₹5.70 L
Earnings
100% of gross
Employee PF-₹1,800-₹21,600
Deduction
4% of gross
ESI₹0₹0
Not applicable
0% of gross
Professional tax-₹200-₹2,400
Deduction
0% of gross
Income tax (new regime)₹0₹0
Deduction
0% of gross
Net take-home pay₹45,500₹5.46 L
Take-home
96% of gross
Compare scenarios
See how switching regimes or the PF wage cap changes your take-home pay.
Your plan
New regime
₹45,500
Monthly take-home
Baseline
Old regime instead
Same salary
₹45,500
Monthly take-home
No change
PF uncapped instead
₹15,000 wage ceiling
₹44,300
Monthly take-home
-₹1,200
Worked example, using your numbers
A step-by-step walkthrough of how your gross pay becomes your take-home pay.
Step 1 · Gross salary
Basic + HRA + other allowances add up to
₹47,500
Step 2 · PF & ESI
Your own PF contribution comes to
₹1,800
Step 3 · Net take-home
After professional tax and income tax, you take home
₹45,500
✓
Of your ₹47,500 gross salary, ₹45,500 (96%) actually reaches you as take-home pay each month.
Personalised insights
What your numbers reveal, and what changing them would do.
96% of your gross salary reaches you as take-home pay
₹47,500/month gross becomes ₹45,500/month net — ₹2,000 goes to PF, ESI, professional tax, and income tax combined.
ESI doesn't apply — your gross exceeds the ₹21,000 ceiling
ESI only applies below a gross wage ceiling — cross it, and the deduction disappears entirely rather than tapering off.
Both regimes land at the same take-home pay here
Under the old regime instead, your take-home would be ₹45,500/month.
Income tax takes ₹0/month of your gross
That's on top of ₹1,800 to your own PF — the deductions between your gross and net pay.
How this is calculated
Every step of the math behind your result, shown in the open.
Gross salary, from your payslip components
Basic = Basic + DA, HRA = House Rent Allowance, Gross = your total monthly earnings before any deduction
Your gross salary is simply the sum of every earning component on your payslip.
Example: ₹25,000 + ₹12,500 + ₹10,000 → ₹47,500 gross
PF and ESI, two different wage bases
Basic_capped = Basic (optionally capped at ₹15,000), PF = your provident fund contribution, ESI = your health insurance contribution (only below the gross wage ceiling)
PF looks at Basic alone; ESI looks at your entire gross wage, and either applies in full or not at all.
Example: ₹1,800 PF (ESI not applicable)
Net take-home pay
Gross = your total monthly earnings, Net = what actually lands in your bank account each month
Every deduction comes off your gross salary in turn to arrive at your real monthly take-home pay.
Example: ₹47,500 − ₹1,800 − ₹0 − ₹200 − ₹0 → ₹45,500
Assumptions
- Employee PF is passed through as a Section 80C investment, which only reduces tax under the old regime — the new regime doesn't allow this deduction.
- HRA exemption isn't modeled here — the full HRA is treated as taxable (see the dedicated HRA Exemption Calculator).
- Voluntary Provident Fund top-ups, employer-provided perks, and any bonus or variable pay component aren't modeled — this assumes a fixed monthly salary with no variable pay.
- Figures are indicative — not financial or tax advice.
Did you know?
A few facts behind how gross pay becomes take-home pay.
₹21,000
ESI's wage ceiling has held since 2017
The gross monthly wage threshold for ESI eligibility hasn't moved since January 2017 — one of the longer-standing figures in Indian payroll law.
0.75%
Both ESI rates were cut in 2019
Employee and employer ESI contribution rates were both reduced in July 2019 — from 1.75%/4.75% to 0.75%/3.25% — and have stayed frozen since.
All-or-nothing
ESI has no partial contribution zone
Unlike PF, which proportionally caps at a wage ceiling, ESI either applies in full below ₹21,000 gross or doesn't apply at all above it.
Basic + DA
PF deliberately excludes most of your payslip
HRA, conveyance, special allowances — none of these factor into your PF contribution, which is calculated on Basic + Dearness Allowance alone.
₹25,000
Employees with disabilities get a higher ESI ceiling
The standard ₹21,000 ESI wage ceiling rises to ₹25,000 specifically for employees with disabilities.
Frequently asked questions
Straight answers to the questions we hear most about take-home pay.
How is this different from the CTC to In-hand Calculator?
That calculator starts from your total CTC and estimates a Basic/HRA split using typical percentages, then strips out employer-side costs like the employer's PF contribution and gratuity provision. This calculator instead takes your actual Basic, HRA, and allowances directly — useful if you already know these from a payslip or offer letter rather than just a single CTC figure.
Why does ESI apply to some employees and not others?
ESI only applies if your gross monthly wage is at or below ₹21,000 (₹25,000 for employees with disabilities), at establishments covered under the ESI Act. Cross that threshold and ESI stops applying entirely — it isn't prorated the way PF's wage cap works.
Why is PF calculated only on my Basic salary, not my full gross?
The EPF Act specifically defines contribution wages as Basic + Dearness Allowance — HRA, conveyance, and other allowances are excluded from the PF calculation entirely, even though they're part of your gross salary.
Which tax regime should I pick?
The new regime is now the default and usually wins for salaried employees without large deductions to claim, thanks to its higher Section 87A rebate and lower slab rates. Use the Income Tax Calculator to compare your exact numbers under both regimes.
Does my employer's PF contribution show up here?
No — this calculator only deducts YOUR OWN contribution from your gross salary. Your employer's matching PF contribution is a separate cost to your employer, credited to your EPF account without ever appearing on your payslip's gross earnings or your take-home deductions.
Why does professional tax vary so much by state?
Professional tax is levied by state governments, not the centre, so each state sets its own slabs and due dates. A handful of states (Delhi, Uttar Pradesh, Haryana) don't levy it at all, while most others charge close to the constitutional ceiling of ₹2,500/year.
Related calculators
Other tools worth checking alongside this one.
CSalary
CTC to In-hand Calculator
Convert your annual CTC into an estimated monthly take-home salary.
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ITaxation
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Compare your tax outgo under the old and new regimes instantly.
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ESavings
EPF Calculator
Estimate your Employee Provident Fund corpus at retirement age.
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GSalary
Gratuity Calculator
Estimate the gratuity payable to you based on tenure and last drawn pay.
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Learn more
Articles to go deeper on the ideas behind this calculator.
Fundamentals
CTC vs. gross salary vs. net salary, explained
Untangling the three numbers on your offer letter and payslip.
5 min read
Fundamentals
ESI eligibility and the ₹21,000 wage ceiling
Who's covered, what it costs, and why it's all-or-nothing.
4 min read
Fundamentals
Old vs. new tax regime: how to actually choose
A practical framework, not just a slab-rate comparison.
7 min read