KaroDesk

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.

Useful for employers preparing offer letters and for employees checking a payslip line by line.

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

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Monthly salary breakdown

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.

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.

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.

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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.