What is the difference between gross and take-home salary?

Gross salary is your pay before deductions. Take-home salary is what remains after tax, retirement contributions and other deductions.

Does this calculate my exact income tax?

No. Tax rules differ by country and situation, so you enter an estimated rate. For India-specific tax, use the Income Tax Calculator.

How is weekly pay worked out?

Annual take-home pay is divided by 52 weeks. Monthly pay is annual take-home divided by 12.

Can I leave the optional fields blank?

Yes. Blank bonus, retirement and other deduction fields are treated as 0.

Which currency does it use?

None in particular — enter amounts in any currency and the results are in the same currency.

Salary Calculator

Estimate your take-home salary from gross pay using your own tax rate and deductions, shown annually, monthly or weekly.

Under 20 seconds

Updated 28 Sept 2026

Estimated take-home per month

3,750.00

Estimate based on the rates you entered

Gross salary (annual): 60,000.00
Estimated deductions (annual): 15,000.00
Take-home (annual): 45,000.00

Monthly take-home

3,750.00

Annual take-home ÷ 12

Weekly take-home

865.38

Annual take-home ÷ 52

You keep

75%

Share of gross pay after deductions

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Take-home pay = gross salary + bonus − estimated deductions. Deductions here are your estimated tax rate and retirement contribution (as % of gross) plus any fixed annual deductions you enter. Tax rules differ by country, so this is an estimate — not tax advice.

Visual breakdown

A visual view of your calculation.

Interactive charts arrive here soon.

Smart Insights

Generated from the numbers you entered — no guesswork.

About 25% of your gross pay goes to the deductions you entered.
Actual tax depends on your country's rules, allowances and filing situation — check official sources or a tax professional.

What is the Salary Calculator?

What the tool does, who it is for and what it cannot tell you.

A salary calculator estimates how much of your pay you actually take home after deductions such as income tax, social contributions and retirement savings.

Gross salary is what you earn before anything is taken out. Take-home (net) salary is what reaches your bank account. The gap between the two is your deductions — the higher the deduction rate, the lower your take-home pay.

Pay frequency only changes how the same annual amount is divided: annual pay is shown once a year, monthly pay is the annual amount ÷ 12 and weekly pay is ÷ 52.

How does the Salary Calculator work?

Each step the calculator runs, in plain language.

1
Enter gross pay
Add your annual gross salary and any bonus or other income.
2
Add deductions
Enter an estimated tax rate, retirement contribution and any fixed deductions.
3
Pick a frequency
See take-home pay per year, month or week.

Salary Calculator formula

The exact maths behind every number on this page.

Take-home = (S + B) − [(S + B) × (t + r) ÷ 100 + D]

S: Annual gross salary
B: Annual bonus / other income
t: Estimated tax & deductions rate (%)
r: Retirement contribution (%)
D: Other fixed annual deductions

Salary Calculator calculation example

Hypothetical example: 60,000 annual salary, 20% estimated tax, 5% retirement contribution, no bonus.

1Gross pay60,000
2Deductions60,000 × 25% = 15,000
3Annual take-home60,000 − 15,000 = 45,000
4Monthly / weekly45,000 ÷ 12 = 3,750; 45,000 ÷ 52 ≈ 865.38

About 3,750 a month in estimated take-home pay.

Important assumptions

What this calculation includes, and what it leaves out.

Uses one flat estimated tax rate you enter — it does not apply any country's tax slabs, allowances or credits.
Retirement contribution is a percentage of gross pay including bonus.
Weekly figures assume 52 weeks a year. Amounts have no currency symbol; enter values in your own currency.

Financial tips

Practical guidance to act on your result.

Use your latest payslip to estimate a realistic overall deduction rate.
For India-specific CTC, PF and tax details, use the CTC to In-Hand Salary and Income Tax calculators.

Frequently asked questions

Short, direct answers to the questions we hear most.

Guides that explain how to use this calculation in a real decision.

Salary • 7 min read

CTC vs in-hand salary: what's the difference?

Why the number in your offer letter is never the number that lands in your account, component by component.

Read guide

Salary • 8 min read

How is in-hand salary calculated from CTC?

The five stages between an annual CTC figure and the amount that credits to your account each month.

Read guide

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Disclaimer

CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.

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