Salary Calculator
Start from your gross monthly salary and see what is deducted before it reaches your bank account.
Results
Net monthly salary
₹93,800
- Net annual salary
- ₹11,25,600
- Gross annual salary
- ₹12,00,000
- Employee PF (monthly)
- ₹6,000
- Income tax (monthly)
- ₹0
- Income tax (yearly)
- ₹0
- Total monthly deductions
- ₹6,200
A gross salary of ₹1,00,000 a month leaves about ₹93,800 in hand after deductions of ₹6,200.
Show the calculation steps
- Basic = 50% of gross = ₹50,000; employee PF = 12% of basic = ₹6,000.
- Annual gross = ₹12,00,000; taxable income = gross − standard deduction = ₹11,25,000.
- Income tax (new regime, FY 2025-26 (AY 2026-27)) = ₹0 a year = ₹0 a month.
- In-hand = gross − PF − professional tax − monthly tax = ₹93,800.
- Only the standard deduction (and, under the old regime, PF and professional tax) is applied. Add other deductions in the income tax calculator. Bonuses and variable pay are not included.
Gross versus net
Gross salary is what your payslip shows before deductions. Net salary is what remains after provident fund, professional tax and tax deducted at source.
What is and isn't included
The calculator applies the standard deduction and, under the old regime, PF and professional tax as deductions. Other deductions, bonuses and other income are not included; use the income tax calculator when you need those.
Formula
Net salary = Gross − employee PF − professional tax − monthly income tax
Employee PF = 12% of basic
Where:
- Gross
- = Monthly salary before deductions
- Basic
- = Basic salary as a share of gross
Example calculation
₹1,00,000 gross monthly salary, new regime
Inputs
- Gross Monthly Salary
- ₹1,00,000
- Basic Salary
- 50 % of gross
- PF Basis
- 12% of actual basic
- Professional Tax per Month
- ₹200
- Tax Regime
- New regime
Result
- Net monthly salary
- ₹93,800
- Net annual salary
- ₹11,25,600
- Gross annual salary
- ₹12,00,000
- Employee PF (monthly)
- ₹6,000
- Income tax (monthly)
- ₹0
- Income tax (yearly)
- ₹0
- Total monthly deductions
- ₹6,200
Step-by-step
- Basic = 50% of gross = ₹50,000; employee PF = 12% of basic = ₹6,000.
- Annual gross = ₹12,00,000; taxable income = gross − standard deduction = ₹11,25,000.
- Income tax (new regime, FY 2025-26 (AY 2026-27)) = ₹0 a year = ₹0 a month.
- In-hand = gross − PF − professional tax − monthly tax = ₹93,800.
Important notes
- Rates and limits shown are for FY 2025-26 (AY 2026-27) and apply to resident individuals. They change with each Union Budget: check the current year before you file.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
How do I calculate net salary from gross?
Subtract employee PF, professional tax and income tax from the gross salary.
How much PF is deducted?
Usually 12% of basic salary, or of a capped wage of ₹15,000 a month at some employers.
Why does my payslip tax differ?
Employers deduct tax based on your declared investments and other income, which can differ from these assumptions.
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- HRA CalculatorCalculate your HRA tax exemption as the lowest of HRA received, rent minus 10% of salary, and 50% or 40% of salary.
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