Salary Calculator: take-home pay and net salary by country
Turn any gross salary or CTC into a clear net-pay breakdown, tax, statutory contributions and allowances itemised, for your country, in seconds. Free to use, no sign-up to try.
Enter the package, see the take-home:
Your result appears here
How it works
See the real take-home behind any gross salary or CTC, in seconds.
Enter the gross salary
Annual or monthly, in the local currency.
Choose the country
The calculator loads the right deduction rules for that location.
Add the details that matter
Basic-pay split, allowances, or tax regime where it changes the result.
Read your net take-home
Broken down line by line, so you see exactly where each unit of pay goes.
Accurate anywhere you hire
The calculation follows the country you pick. Where payroll and tax have to be exact, major markets run verified statutory logic instead of a rough estimate.
Country-aware everywhere
Works in any country, with statutory tables for 44 of them. Pick a country and the gross-to-net logic follows that location's take-home rules.
Deterministic, not an AI guess
For major markets like India it runs a fixed statutory engine (PF, ESI, professional tax, income-tax slabs), so the numbers are consistent and repeatable.
Gross-to-net transparency
Every deduction is itemised, not hidden inside a single net figure.
Free to start
Run an estimate before you decide whether you need the deeper payroll tools.
One calculator, several jobs
HR & payroll teams
Sanity-checking an offer letter or a mid-year revision before it goes out.
Founders & small-business owners
Pricing a new hire and wanting the real cost-versus-take-home picture.
Employees & candidates
Comparing two offers, or checking whether a headline package lands as the monthly amount they expected.
HR consultants
A quick, defensible number for several clients without rebuilding a spreadsheet each time.
How take-home salary is calculated
Gross, CTC and take-home
CTC (cost to company) is everything the employer spends on you, including their pension or social-security contribution and benefits. Gross is your pay before deductions. Take-home is what actually reaches your bank after tax and mandatory contributions. The three are almost never the same number, which is why a headline salary or CTC can be misleading on its own.
The formula is the same everywhere
Net pay is your gross minus the statutory deductions your country applies. The line items differ by market: Provident Fund and professional tax in India, federal and state tax plus Social Security in the US, PAYE income tax and National Insurance in the UK, CPF in Singapore, and little to no personal income tax in the UAE. Pick your country in the tool to load the right components.
India, as one worked example:
Net pay = Gross − Provident Fund − ESI (if applicable) − Professional Tax − Income Tax
| Deduction | Typical rate | Notes |
|---|---|---|
| Provident Fund (employee) | 12% of basic | Employer matches 12%; a portion goes to the pension (EPS) up to the wage ceiling. |
| ESI (employee) | 0.75% of gross | Applies only when monthly gross is ₹21,000 or below. |
| Professional tax | Up to ₹2,500 / year | State-levied; not charged in every state. |
| Income tax | Per chosen regime | Old vs new slabs change the final number; the tool compares both. |
What makes up a CTC
On an Indian CTC, basic is usually 40 to 50% of the package and drives PF, gratuity and HRA; HRA is often 40 to 50% of basic and is partly tax-exempt if you pay rent. Because PF and several allowances are calculated on basic rather than total gross, the basic-pay split changes the take-home, so a higher gross does not always mean a proportionally higher net. That is exactly what the calculator makes visible.
Related tools & reading
Related tools
The rest of the pay & tax toolkit.
Please note: Results are AI-generated estimates and can contain errors. Check important figures, tax, statutory rates and pay, against an official source before you rely on them. This is guidance, not legal, tax or payroll advice.
Part of the HRTailor HR OS
This tool is one piece of your HR system
Everything you create here auto-saves to your Document Vault, ready for e-signature, your employee records and automated workflows. One login runs your whole HR.
Frequently asked questions
What is the difference between gross and take-home pay?
Gross is the total package; take-home (net) is what lands in the bank after statutory deductions and tax. This tool converts one to the other for your country.
Which deductions does it account for?
Statutory deductions, tax slabs, allowances and mandatory contributions based on your country's payroll rules.
Is it accurate for my country?
It tailors the calculation to the country and city you select. Treat the result as a close estimate, not formal payroll.
Is it free?
Yes, you can run the calculation free and download a breakdown as PDF or Word.