Salary Calculator — Take-Home Pay & Net Salary After TaxGross → Net · Income Tax · PF · HRA · Standard Deduction · CTC Breakup
Use this free Salary Calculator to instantly estimate your net take-home salary after tax and statutory deductions — converting your gross annual salary or CTC (Cost to Company) into a precise monthly and annual net salary after accounting for all applicable deductions. Enter your gross income and select your country to calculate: income tax liability (old & new tax regime) · Employee Provident Fund (EPF/PF) contribution · Professional Tax & ESI deductions · HRA exemption & standard deduction · in-hand monthly salary & annual net pay — giving you a complete salary breakup and CTC analysis in seconds.
This online salary calculator is trusted across every career and financial planning context: evaluating and comparing job offers, salary negotiation and counter-offer preparation, monthly budget and expense planning, freelancer and contractor net income estimation, HR payroll and CTC structuring, and income tax filing preparation. Supports country-specific tax slabs and deduction rulesfor India (Old Regime vs New Tax Regime under Section 115BAC), US federal and state income tax, UK PAYE tax bands, and Australian income tax brackets — making it the most versatile take-home pay calculator for salaried employees, self-employed professionals, expats, and HR teamsworldwide.
⚠ Tax Disclaimer: This salary calculator provides estimated net salary figures for informational and planning purposes only. Actual take-home pay may vary based on applicable income tax slab rates, Section 80C, 80D, and HRA exemption claims, employer-specific CTC structure and benefits, variable pay, bonuses, and perquisites, TDS (Tax Deducted at Source) adjustments, and state-level professional tax rates. Always verify your salary breakup with your employer's payslip and consult a licensed chartered accountant (CA), tax advisor, or certified financial planner (CFP) for personalized tax planning and salary structuring advice.
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Salary Calculator — Turn Your Gross Offer Into the Number That Hits Your Bank
A job offer of $85,000 is not $85,000. Federal income tax, Social Security at 6.2%, Medicare at 1.45%, state income tax, and any pre-tax benefit deductions all come out before you see a dollar. The gap between gross and net surprises most people — a $85,000 salary in California nets roughly $58,000 after all deductions. The salary calculator translates the headline number into the actual monthly and bi-weekly amounts you will receive, by state.
Pre-tax deductions — 401(k) contributions, health insurance premiums, HSA contributions, and dependent care FSA — reduce your taxable income before federal and state tax are calculated. A $500 monthly 401(k) contribution does not reduce your take-home by $500; it reduces it by $500 minus the tax you would have paid on that money. For someone in the 22% federal bracket with 5% state tax, the actual take-home reduction is roughly $365. The salary calculator models this correctly.
Comparing offers across states requires this calculation because state income tax varies from 0% (Texas, Florida, Nevada) to over 13% (California top bracket). An offer of $90,000 in Texas and $95,000 in California can produce nearly identical take-home pay after California's state tax is applied. Never compare gross salaries across state lines without running the net calculation first.