Salary Calculator
Gross salary, deductions and estimated take-home
Gross / Month
Total Deductions
Take-Home / Month
Take-Home / Year
Estimate only — actual payslips may have a different structure for HRA/LTA/professional tax.
Salary Calculator — Complete Guide & Instructions
MakeCard Salary Calculator converts a gross monthly salary or an annual CTC figure into a realistic take-home estimate. Enter your PF or deduction percentage, monthly income tax, and any other deductions like insurance or canteen charges, and the tool instantly shows gross per month, total deductions, and take-home per month and per year. It is a quick planning aid for offer evaluation and monthly budgeting.
How to Use Salary Calculator
- 1 Choose "Monthly Salary" or "Annual CTC" at the top depending on the figure you have.
- 2 Enter the gross amount, your PF/deduction percentage, monthly income tax, and other deductions.
- 3 The four stat cards update live — Gross/Month, Total Deductions, Take-Home/Month, and Take-Home/Year.
- 4 Adjust the inputs to compare offers or test different deduction levels.
Key Features & Capabilities
- Dual input mode — work from a monthly gross figure or a yearly CTC package.
- Percentage-based PF deduction plus fixed rupee fields for tax and other deductions.
- All four outputs — gross, deductions, monthly and annual take-home — update instantly as you type.
- Clean comparison of deductions against gross for quick budgeting.
- Honest estimate disclaimer reminding you that real payslips vary by HRA, LTA, and professional tax.
Supported Formats & Specifications
| Parameter | Specification |
|---|---|
| Input Modes | Monthly gross salary or annual CTC (auto-divided by 12) |
| Deduction Types | PF/deduction %, flat monthly income tax, other fixed deductions |
| Outputs | Gross/month, total deductions, take-home/month, take-home/year |
| Currency | INR with Indian digit grouping |
| Accuracy | Estimate — excludes HRA, LTA, professional tax, and slab-based TDS |
Practical Everyday Use Cases
- Estimating in-hand pay from a CTC figure quoted in a job offer.
- Checking the monthly impact of a PF percentage change or a new deduction.
- Comparing two salary offers on equal monthly take-home terms.
- Planning a monthly budget around the actual amount credited to the bank.
- Verifying that a payslip's net figure roughly matches expected deductions.
Pro Tips for Best Results
- Use the Annual CTC mode for offer letters — most companies quote packages yearly.
- PF is usually 12% of basic salary, not gross — if your basic differs, adjust the percentage to approximate it.
- For an exact tax figure, run the Income Tax Calculator first and paste the monthly TDS amount here.
- Remember take-home excludes variable pay and joining bonuses paid annually.
Common Problems & Solutions
Real payslips include HRA, LTA, professional tax, and slab-wise TDS — this tool gives a clean estimate from the deductions you enter.
CTC includes employer PF, gratuity, and bonuses that are not part of monthly gross — enter your gross salary directly for a truer picture.
The % field applies to the monthly gross; fixed monthly items like insurance go in "Other Deductions".
Privacy & Security
100% Client-Side Execution
The entire calculation happens on your device — your salary figures are never transmitted or saved anywhere.
Frequently Asked Questions
Everything you need to know about using Salary Calculator
Divide the annual CTC by 12 for a monthly gross estimate, then subtract PF, tax, and other deductions. Note that CTC usually includes employer contributions and bonuses, so actual in-hand pay is lower than CTC/12.
Employee PF contribution is typically 12% of basic salary plus DA, matched by another 12% from the employer. Enter 12 in the PF field for the standard estimate.
Yes — take-home, in-hand, and net salary all mean the amount credited after deductions like PF, professional tax, and TDS are subtracted from gross pay.
CTC bundles employer PF, gratuity, insurance premiums, and bonuses into one number. Only the gross salary portion is paid monthly, and deductions reduce it further.
Related FreeToolsBazaar Tools
Ready to Use Salary Calculator?
100% free, browser-based, and private. No installation, registration, or file upload to external servers required.
Start Using Salary Calculator