Take-home salary: gross to net
Start from your monthly gross (the payslip's top line) and see net pay after PF, professional tax and your TDS, deduction by deduction. Starting from an annual CTC instead? That is the salary calculator's job.
Your monthly figures
Your payslip, reconstructed
ESI note: if gross is ₹21,000 or under, a 0.75% employee contribution applies too: the calculator adds it automatically below that ceiling. TDS depends on your regime and declarations; find current slabs at incometaxindia.gov.in.
Reading a payslip, line by line
Gross is everything you earned for the month: basic, DA, HRA, allowances, any overtime or incentive. From it, four families of deduction produce net: PF (12% of basic + DA, commonly on the ₹15,000 ceiling, so ₹1,800 for most people above it); ESI (0.75% of gross, only if gross is within the ₹21,000 ceiling); professional tax (your state's slab; some states none at all, never more than ₹2,500 a year); and TDS (income tax projected across the year from your regime and declarations, deducted monthly). Anything else (salary advances recovering, loan EMIs, voluntary PF) is between you and your employer's records, which is why it is a free field above.
This tool and the CTC salary calculator answer different questions on purpose: that one decodes an offer letter's annual promise; this one reconstructs a monthly payslip. If your payslip's numbers and this page's arithmetic disagree, the payslip's workings (or their absence) are the conversation to have with payroll.
A worked example
Gross ₹50,000 with basic + DA of ₹20,000: PF deducts ₹1,800 (12% on the ₹15,000 ceiling), ESI does not apply (gross above ₹21,000), professional tax takes ₹200 in most levying states, and TDS is whatever your regime projects, say ₹2,100 from a typical new-regime projection at this salary with no other income. Net: ₹45,900. Now the same gross for a factory supervisor whose gross is ₹19,500: PF on their ₹12,000 basic is ₹1,440, ESI adds ₹146 (0.75% of gross), PT ₹200: the deduction stack is different because the ceilings caught differently. That sensitivity to thresholds is exactly what payroll software exists to get right.
Illustrative: the TDS figure especially is a placeholder for your own projection, not a computed claim.
Employers: every line above is computed with its working on each payslip by PeopleDeck's payroll engine, including the threshold edge cases.
Frequently asked questions
How is this different from the CTC salary calculator?
Different starting points for different moments: the salary calculator decodes an annual offer-letter CTC into a structure; this one starts from your monthly gross (the payslip's top line) and reconstructs net pay. Offer in hand, use that one; payslip in hand, use this.
What deductions come off gross salary?
PF at 12% of basic + DA (commonly on the ₹15,000 ceiling), ESI at 0.75% of gross if you earn within ₹21,000, professional tax per your state's slab (capped at ₹2,500 a year, zero in some states), income-tax TDS per your regime and declarations, and anything establishment-specific — advances recovering, loans, voluntary PF.
Why do I have to enter TDS myself?
Because honest computation of TDS needs your regime choice, declarations and other income — guessing slabs would produce a confident wrong number. Take the TDS from your payslip or project it from current official slabs; the calculator does the rest of the arithmetic exactly.
Why did my ESI deduction disappear after my raise?
ESI applies while gross is within ₹21,000, but coverage runs by contribution period (April–September, October–March), so a mid-period raise keeps contributions running until the period ends. If yours vanished immediately, that is worth a question to payroll.
Is my salary data stored anywhere?
No; everything computes in your browser and nothing is transmitted. Close the tab and it is gone.
Payslips that show this working, every month.
PeopleDeck prints the arithmetic on every payslip. Per employee, per month.
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