Salary Calculator

Calculate take-home pay without logging in. Enter CTC and see deductions and net pay instantly. No account needed.

Earnings & Deductions

%
Typically 12% of Basic + DA.
%
Typically 0.75% for salary < ₹21,000.
₹
Varies by state (max ₹200/month in many states).
₹
e.g., LTA, medical insurance, etc.

Your Pay Breakdown

Gross Monthly Salary:

₹ 0

Total Deductions:

₹ 0

Net Monthly Salary:

₹ 0

Annual Summary

Gross Annual Salary:

₹ 0

Total Annual Deductions:

₹ 0

Net Annual Salary:

₹ 0

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Step-by-Step Guide

Salary Calculator

Compute net take-home salary payouts, analyze tax withholdings, and break down gross-to-net pay details instantly.

1
Input Gross Salary

Enter your annual or hourly gross salary, alongside payment frequencies (weekly, bi-weekly, monthly).

Gross Income Pay Frequency
2
Specify Deductions

Fill in pre-tax deductions (401k, health insurance) and post-tax retirement contribution splits.

401k Split Insurance Deductions Pre-Tax Allocation
3
Set Tax Parameters

Select your tax filing status, location/state code, and number of allowances or dependents.

Filing Status Federal Allowances State Code
4
View Net Pay Sheet

Review your net take-home salary, estimated federal/state tax withholdings, and FICA deduction sheets.

Take-Home Net Pay Tax Breakdown
Client-side processing
Auto-deleted after session
Zero server uploads
Paycheck Planner

Detailed gross-to-net salary calculator engine

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Gross-to-Net Math

Accurately calculates payroll metrics including federal withholding, FICA (Social Security & Medicare), and state tax allocations.

Hourly to Salary Conversion

Converts hourly wages to weekly, monthly, and yearly equivalents based on custom standard working hours.

Pre-Tax Deductions

Simulates the tax-saving benefits of contributions to retirement funds, FSA, HSA, or company healthcare plans.

Income Allocation

Generates intuitive visual summaries illustrating what percentage of gross salary goes to taxes, benefits, and net payouts.

Estimate net take-home pay across different pay frequencies
Calculate federal, state, local, and social security tax splits
100% browser-based calculations protect personal income records
FAQ

Common Questions

Frequently asked questions regarding gross-to-net paychecks, deductions, and tax withholdings.

What is the difference between gross salary and net salary?
Gross salary is the total amount of money you earn before any deductions or taxes are taken out. Net salary (or take-home pay) is the actual amount you receive in your bank account after taxes, health premiums, and retirement contributions are deducted.
How is FICA tax calculated?
FICA (Federal Insurance Contributions Act) tax consists of Social Security (6.2% on income up to a yearly wage cap) and Medicare (1.45% on all earnings, plus an additional 0.9% for high earners). Both employees and employers pay these rates.
How do pre-tax deductions lower my tax liability?
Pre-tax deductions (like 401k or HSA plans) are subtracted from your gross income before income taxes are calculated, reducing your taxable income base and lower your overall tax bill.
Does this calculator support state-specific tax rates?
Yes. The calculator uses updated state tax rate tables (including states with no income tax like Texas or Florida and states with progressive brackets like California) to estimate state withholdings.
Are my salary details uploaded to any database?
No. The salary calculator runs completely offline in your local web browser using JavaScript. Your income, deductions, and tax filings remain private.