1. What is Take Home Salary?

Take home salary (or in-hand salary) is the amount an employee receives after all deductions like income tax, provident fund (PF), professional tax, etc. have been subtracted from the gross salary.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Gross Salary — Total salary before any deductions
• Income Tax — Tax deducted as per 2025 tax slabs
• PF — Provident Fund contribution
• Professional Tax — State-mandated professional tax

Explanation: The calculation provides the net amount an employee receives in their bank account after all mandatory deductions.

3. Importance of Salary Calculation

Details: Understanding take-home pay helps in financial planning, loan applications, and assessing job offers. It's crucial for employees to know their actual disposable income.

4. Using the Calculator

Tips: Enter all amounts in INR. For accurate results, use your actual gross salary and the exact deduction amounts from your payslip.

5. Frequently Asked Questions (FAQ)

Q1: What's included in gross salary?
A: Basic salary, HRA, allowances, bonuses, and other benefits before deductions.

Q2: How is income tax calculated?
A: Based on 2025 tax slabs which consider your income level and applicable deductions.

Q3: Is PF contribution fixed?
A: Typically 12% of basic salary, but can vary based on employer policies.

Q4: Does professional tax vary?
A: Yes, it varies by state in India, typically ranging from ₹0 to ₹2,500 per year.

Q5: Are there other deductions not included here?
A: Yes, some companies may have other deductions like ESIC, loan repayments, or insurance premiums.