Gross to Net Salary Calculator
Calculate your net salary (take-home pay) from gross salary
Salary Details
Standard: 12% of basic salary
Varies by state (typically 0-2,500/month)
Monthly TDS deduction
Insurance, loan EMI, etc.
Breakdown
Results
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Est. Results
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How Gross to Net Salary Calculator Works
This calculator converts your gross annual salary to net (take-home) salary by accounting for all applicable deductions. It helps you understand how much you'll actually receive after taxes and other statutory deductions.
The calculation process:
- Starts with your gross annual salary
- Applies standard deductions (PF, professional tax, etc.)
- Calculates taxable income after deductions
- Applies income tax based on applicable tax slabs
- Provides net annual and monthly take-home salary
Example:
Let's calculate net salary for a person with a gross annual salary of ₹12,00,000.
Given: Gross Annual Salary = ₹12,00,000
Step 1: Calculate Standard Deductions
PF (12% of basic) = ₹1,44,000
Professional Tax = ₹2,500
Total Deductions = ₹1,46,500
Step 2: Calculate Taxable Income
Taxable Income = Gross Salary - Deductions
Taxable Income = ₹12,00,000 - ₹1,46,500 = ₹10,53,500
Step 3: Calculate Income Tax (assuming new tax regime)
Tax on ₹10,53,500 = ₹1,05,350 (approx)
Step 4: Calculate Net Salary
Net Salary = Gross Salary - Total Deductions - Income Tax
Net Salary = ₹12,00,000 - ₹1,46,500 - ₹1,05,350
Net Salary = ₹9,48,150
Monthly Net Salary = ₹9,48,150 / 12 = ₹79,013
Result: Your net annual salary is ₹9,48,150, which means you take home ₹79,013 per month.
Use Cases
Job Offer Analysis
Calculate actual take-home pay from gross salary offers to make informed decisions
Salary Negotiation
Know your net salary to negotiate appropriate gross salary packages
Budget Planning
Plan monthly expenses based on accurate net salary calculations
Global Workforce
Works for employees worldwide with different tax structures
Why Use Our Gross to Net Calculator?
Accurate tax and deduction calculations
Annual and monthly breakdown
Clear deduction breakdown
Instant calculations
100% free, no registration
Mobile-friendly interface
Gross to Net Salary Calculator FAQs
❓What is gross salary?
Gross salary is your total compensation before any deductions. It includes basic salary, allowances (HRA, transport, etc.), bonuses, and other components. This is the amount mentioned in your employment contract.
❓What is net salary?
Net salary (take-home salary) is the amount you actually receive in your bank account after all deductions including income tax, provident fund, professional tax, and other statutory deductions are subtracted from your gross salary.
❓How much tax is deducted from gross salary?
Tax deduction depends on your taxable income after deductions. Tax is calculated using progressive tax slabs (0%, 5%, 20%, 30%) based on your income level. The calculator applies standard deductions and calculates tax accordingly.
❓Is this calculator accurate for all countries?
This calculator provides estimates based on standard deduction and tax calculation methods. Actual deductions and tax rates vary by country, state, and employer policies. Always verify with your HR department or payroll provider for exact calculations.
❓Is this calculator free to use?
Yes, this gross to net salary calculator is completely free to use with no registration required.