KaroDesk

India Salary Calculator

Enter the monthly gross salary and the basic component to see PF, professional tax, income tax and the net salary that reaches the bank account for that one month, using Indian payroll rules.

Built for a single payslip-style breakdown: drafting an offer letter, running a monthly payroll sheet, or checking one payslip line by line.

Share this toolWhatsApp
₹
%

Most Indian employers keep basic at 40–50% of gross.

₹
₹
₹

Monthly salary breakdown

Total deductionsNet monthly pay
Gross salary
₹60,000.00
Basic pay
₹30,000.00
Employee PF (12% of basic)
₹3,600.00
Professional tax
₹200.00
Income tax
₹0.00
Total deductions
₹3,800.00
Net monthly pay
₹56,200.00
Net annual pay
₹6,74,400.00
PF is 12% of basic. Actual PF may be capped at ₹1,800 if your employer uses the wage ceiling.

Your ₹56,200.00 take-home doesn't yet include any income tax deduction. Most salaries above the exemption limit owe some, so it's worth checking with the Income Tax Calculator before treating this as final.

Smart next steps

Formula

PF = Basic × 12%

Net pay = Gross − PF − Professional tax − Income tax − Other deductions

Basic pay is usually 40–50% of gross. Professional tax is a state levy, commonly ₹200 per month.

Worked example

A ₹60,000 gross salary with basic at 50% has ₹3,600 PF and ₹200 professional tax, giving ₹56,200 net per month.

How to use this calculator

  1. 1Enter the monthly or annual gross salary.
  2. 2Enter the applicable deductions such as PF and professional tax.
  3. 3Read the net salary payable and the deduction breakdown.

When businesses use it

  • Preparing a monthly payroll sheet for a small team.
  • Answering a candidate's question about net pay before they join.
  • Checking a payslip where the net credited amount looks wrong.

Reading a payslip line by line

A monthly payslip has two sides. Earnings list basic pay, house rent allowance, conveyance, special allowance and any bonus; deductions list provident fund, professional tax, income tax and anything specific to the employer such as canteen or transport recovery. Gross minus deductions is the net pay credited to the bank.

Basic pay drives most of the arithmetic. Provident fund is 12% of basic plus dearness allowance, gratuity accrues on basic, and HRA exemption is capped with reference to basic. Employers typically set basic at 40–50% of gross; a very low basic raises take-home today but shrinks retirement savings and gratuity later.

Professional tax is a state levy, not a central one. Maharashtra, Karnataka, West Bengal and Tamil Nadu among others charge up to ₹200 a month, while Delhi, Haryana and Uttar Pradesh charge nothing at all, which is why the same gross salary yields slightly different net pay in different cities.

Deductions employees often question

  • Employee PF at 12% of basic, matched separately by the employer as part of CTC.
  • Professional tax, which varies by state and is often ₹200 a month.
  • TDS on salary, spread evenly across the year based on the declared regime.
  • ESI at 0.75% of gross where the wage is within the coverage limit.

The ₹200 professional tax figure above is a common one, but it isn't universal: see professional tax by state in India to check whether your own state charges it, and roughly how much.

Learn the maths behind it

  • CTC vs take-home salary

    CTC includes employer PF, gratuity and benefits. Take-home is gross pay minus PF, professional tax and TDS.

Was this tool useful?

Explore more tools

Other calculators and tools in this area, if you want to keep browsing.

India CTC Calculator

Break an annual CTC into gross salary, employer PF, gratuity and in-hand pay.

Use tool
Popular

India Income Tax Calculator

Calculate income tax for FY 2025-26 under the new and old regime with slabs, rebate and cess.

Use tool

India HRA Calculator

Work out your exempt and taxable HRA for FY 2025-26 under Section 10(13A), metro or non-metro.

Use tool

Frequently Asked Questions

No. Statutory PF is 12% of basic (plus dearness allowance), and many employers cap it at ₹1,800 using the ₹15,000 wage ceiling.

No, it is state-specific. Maharashtra and Karnataka charge up to ₹200 per month; some states charge nothing.

No. The employer's 12% is a cost to company on top of gross, not a deduction from your salary.

An employer may voluntarily compute PF on a higher wage, but the statutory obligation is 12% of basic plus dearness allowance, commonly capped at the ₹15,000 wage ceiling.

Usually a change in TDS after an investment declaration, a professional tax slab change, or a variable component paid in one month.

Need to create an invoice?

Calculate GST instantly, then create a professional invoice in seconds.

Create Free Invoice

Calculations happen instantly in your browser. Your calculator inputs aren't sent to our servers. KaroDesk provides calculations and information for general informational purposes. Results should be verified against applicable laws, official notifications, employer policies, lender terms, or professional advice where appropriate. Read our full disclaimer.