Salary Calculator
Calculate your employee salary with detailed breakdown
Get a comprehensive view of your salary structure including basic pay, allowances, deductions, and net take-home salary. Perfect for employees, HR professionals, and payroll planning.
Salary Details
Earnings
Deductions
💡 Tip: Adjust the percentages and amounts to match your exact salary structure for accurate calculations.
Understanding Your Salary Structure
Earnings Components
- Basic Salary: The core component of your salary, typically 40-50% of CTC
- HRA: House Rent Allowance, usually 40-50% of basic salary
- DA: Dearness Allowance to offset inflation, typically 10-20%
- Other Allowances: Transport, medical, special allowances, etc.
Deduction Components
- PF (Provident Fund): Employee's contribution, typically 12% of basic
- Professional Tax: State-level tax, varies by state (₹200-₹2,500)
- Income Tax (TDS): Tax deducted at source based on tax slab
- Other Deductions: Loans, advances, or other company-specific deductions
Understanding CTC vs In-Hand
- CTC (Cost to Company): Total cost an employer spends on you annually
- Gross Salary: Total salary before deductions
- Net/In-Hand Salary: Actual amount you receive after all deductions
- Typically, in-hand salary is 70-80% of gross salary
Salary Planning Tips
- Plan your budget based on net salary, not gross salary
- Understand your salary structure before negotiating offers
- PF contributions help build long-term retirement savings
- Consider tax-saving investments to reduce TDS deductions
Important Notes
- This calculator provides estimates. Actual salary calculations may vary based on company policies.
- Salary structures vary significantly across companies and industries.
- Professional tax rates vary by state. Check your state's professional tax regulations.
- Employer also contributes to PF (typically 12% of basic), which is not shown in this calculator.
Why Our Salary Calculator Stands Out
Complete Breakdown
Detailed salary structure showing basic pay, HRA, DA, other allowances, PF, professional tax, TDS, and final take-home. Understand every rupee of your salary.
Indian Salary Standards
Built specifically for Indian payroll with accurate PF calculations (12% of basic), state-wise professional tax, HRA exemptions, and standard allowance structures.
CTC vs Take-Home
Clear distinction between Cost to Company (CTC), gross salary, and net take-home salary. Perfect for job offer evaluation and salary negotiations.
How to Use the Salary Calculator
Enter Basic Salary
Input your basic salary, which typically forms 40-50% of CTC. This is the foundation for calculating other components like HRA, DA, and PF deductions.
Add Allowances
Enter HRA (usually 40-50% of basic), Dearness Allowance, and other allowances like transport, medical, or special allowances as per your salary structure.
Set Deductions
Input PF contribution (typically 12% of basic), professional tax (varies by state, usually ₹200/month), TDS, and any other deductions like loans or advances.
Review Your Take-Home
See your gross salary, total deductions, and net take-home salary per month and annually. Use this for budgeting, comparing job offers, or salary negotiations.
Frequently Asked Questions
What is the difference between CTC and take-home salary?
CTC (Cost to Company) is the total amount a company spends on you annually, including your salary, benefits, PF contribution, and bonuses. Take-home salary is the actual amount credited to your bank account after all deductions. Typically, take-home is 70-80% of CTC.
How is basic salary calculated from CTC?
Basic salary usually forms 40-50% of CTC in most companies. For example, if your CTC is ₹10 lakhs, your basic salary would be around ₹4-5 lakhs per annum. However, this varies by company policy and industry standards.
What is HRA and how is it calculated?
House Rent Allowance (HRA) is provided to employees living in rented accommodation. It's typically 40-50% of basic salary. HRA is partially tax-exempt based on actual rent paid, 50% of basic salary (metro cities) or 40% (non-metro), and actual HRA received - whichever is lowest.
Is PF deduction mandatory for all employees?
EPF (Employee Provident Fund) is mandatory for organizations with 20+ employees. Both employee and employer contribute 12% of basic salary. However, for salaries above ₹15,000 basic, it's optional. PF provides retirement benefits and tax deductions under Section 80C.
What is professional tax and does every state have it?
Professional tax is a state-level tax on income from professions, trades, and employment. It varies by state from ₹0 to ₹2,500 annually. States like Karnataka, Maharashtra, and West Bengal have professional tax, while states like Delhi and Rajasthan don't levy it.
How can I increase my take-home salary?
Maximize tax-saving investments under 80C (₹1.5L), claim HRA exemption with rent receipts, opt for NPS (additional ₹50K under 80CCD(1B)), submit investment proofs to reduce TDS, and structure your salary to have more tax-exempt allowances like meal vouchers, LTA, etc.