Salary

Link copied!

Take-home Salary Calculator

Use this Take Home Salary Calculator to see your exact monthly in-hand salary after income tax, PF, and professional tax. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

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.

Basic salary (₹/month)*

Basic + DA only, as it appears on your payslip; this is what PF is calculated on, not your full gross.

₹5,000₹3L

e.g. ₹25,000 a month

HRA (₹/month)*

House Rent Allowance, as it appears on your payslip.

₹0₹1.5L

e.g. ₹12,500 a month

Other allowances (₹/month)*

Special allowance, conveyance, or any other taxable component on your payslip, combined.

₹0₹2L

e.g. ₹10,000 a month

Professional tax (₹/year)*

Set by your state: some states (Delhi, UP, Haryana) charge none at all, while most others charge close to the constitutional cap of ₹2,500/year.

₹0₹2,500

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 salary

₹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 salary.

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 salary₹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 salary.

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: your take-home salary, step by step

A step-by-step walkthrough of how your gross salary becomes your take-home salary.

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 salary each month.

Personalised insights

What your numbers reveal, and what changing them would do.

96% of your gross salary reaches you as take-home salary

₹47,500/month gross becomes ₹45,500/month net, since ₹2,000 goes to PF, ESI, professional tax, and income tax combined.

ESI doesn't apply since 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 salary here

Under the Old regime instead, your take-home salary 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 salary.

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 salary

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 salary.

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, so this assumes a fixed monthly salary with no variable pay.
Figures are indicative, not financial or tax advice.
Based on the ESI wage ceiling and PF/income tax rates as of July 2026. Source: ESIC.

Understanding take-home salary

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 salary 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 your CTC is structured changes this number

Two people with the same CTC can have meaningfully different take-home pay depending on how much is Basic versus allowances and reimbursements; a higher Basic means more PF (lower take-home salary now, more retirement corpus later), not a free lunch either way.

Did you know?

A few facts behind how gross salary becomes take-home salary.

₹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 salary.

Is "take-home salary" the same as "in-hand salary" or "take-home pay"?

Yes — take-home salary, in-hand salary, take-home pay, net pay, and post-tax salary all refer to the same thing: what actually lands in your bank account each payday, after PF, professional tax, and income tax are deducted from your gross salary.

How is this Take-Home Salary Calculator 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 on this Take-Home Salary Calculator?

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.