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Tools / Take-home paycheck & salary calculator

Take-home paycheck & salary calculator

Itemized in-hand salary calculator. Computes monthly net take-home pay from annual gross CTC or salary, factoring in Indian EPF, Professional Tax, and TDS, or US Federal Tax, FICA, and State Tax deductions.

Runs entirely in your browser

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About this tool

Your gross salary and your take-home pay are very different numbers once taxes and mandatory deductions come out. This calculator itemises the gap: from an annual gross salary or CTC it computes your monthly in-hand pay, factoring in the relevant deductions for India (EPF, Professional Tax, TDS) or the US (Federal Tax, FICA, State Tax).

Seeing the breakdown line by line is more useful than a single net figure, because it shows exactly where the money goes — how much is retirement contribution you keep versus tax you do not. That helps when comparing job offers, understanding a payslip, or budgeting against realistic take-home rather than the headline salary.

It runs in your browser, so your salary details are not uploaded. Treat the result as a close estimate for planning; individual circumstances, allowances and exact rates vary, so a payslip is the final word.

Frequently asked questions

What is the difference between gross salary and take-home pay?
Gross (or CTC) is the total before deductions; take-home is what reaches you after taxes and mandatory contributions like provident fund or FICA. This tool shows how the two differ.
Which deductions does it account for?
For India, EPF, Professional Tax and TDS; for the US, Federal Tax, FICA and State Tax — the main statutory deductions from pay.
Why does my actual payslip differ slightly?
Individual allowances, exemptions, exact tax rates and employer structures vary. The calculator gives a close estimate; your payslip reflects your precise situation.
Are my salary details private?
Yes. The calculation runs in your browser, so nothing you enter is uploaded.

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