Net Income Calculator

Our net income calculator computes your actual monthly in-hand salary after all taxes and statutory deductions. While gross salary is what is negotiated, net income is what reaches your bank account — and the difference can be 20–35% of your CTC depending on tax bracket and deduction choices.

Deductions from gross salary: Income Tax (based on applicable slab), Employee PF (12% of basic, max ₹1,800/month), Professional Tax (₹200/month in most states), and any other employer-specific deductions. For incomes above ₹50 lakh, a 10% surcharge applies further widening the gap.

Use this take-home salary calculator to set realistic monthly budget targets, evaluate job offers by comparing actual in-hand rather than headline CTC, and plan savings and investment commitments based on real cash flow.