[[ r.label ]]

[[ labels.ctc ]]

[[ sys.meta.currency_symbol ]]

[[ labels.base ]]

[[ basePayPercent ]]%[[ formatK(basePay) ]]

[[ labels.emp_pf ]]

[[ employerPfPercent ]]%[[ formatK(employerPF) ]]

[[ labels.emp_nps ]]

[[ employerNpsPercent ]]%[[ formatK(employerNPS) ]]

[[ labels.usr_pf ]]

[[ employeePfPercent ]]%[[ formatK(employeePF) ]]

[[ labels.prof_tax ]][[ sys.meta.currency_symbol ]][[ professionalTax ]]

[[ labels.in_hand_monthly ]]

[[ sys.meta.currency_symbol ]][[ formatCurrency(monthlyInHand) ]]

[[ labels.in_hand_annual ]]: [[ sys.meta.currency_symbol ]][[ formatCurrency(annualInHand) ]]

[[ labels.tax_breakdown ]]

[[ labels.gross ]] [[ sys.meta.currency_symbol ]][[ formatCurrency(grossSalary) ]]

[[ labels.deductions ]]

Std Deduction - [[ sys.meta.currency_symbol ]][[ formatCurrency(stdDed) ]]

[[ labels.prof_tax ]] - [[ sys.meta.currency_symbol ]][[ formatCurrency(professionalTax) ]]

NPS - [[ sys.meta.currency_symbol ]][[ formatCurrency(employerNPS) ]]

80C (PF) - [[ sys.meta.currency_symbol ]][[ formatCurrency(Math.min(150000, employeePF)) ]]

PF & Retirement Savings

Employee PF[[ sys.meta.currency_symbol ]][[ formatCurrency(employeePF) ]]

Employer PF[[ sys.meta.currency_symbol ]][[ formatCurrency(employerPF) ]]

NPS (Employer)[[ sys.meta.currency_symbol ]][[ formatCurrency(employerNPS) ]]

Total Annual Savings[[ sys.meta.currency_symbol ]][[ formatCurrency(employeePF + employerPF + employerNPS) ]]

[[ labels.taxable ]] [[ sys.meta.currency_symbol ]][[ formatCurrency(taxableIncome) ]]

[[ labels.income_tax ]] [[ sys.meta.currency_symbol ]][[ formatCurrency(taxDetails.baseTax) ]]

[[ labels.surcharge ]] ([[ Math.round(taxDetails.surchargeRate * 100) ]]%) [[ sys.meta.currency_symbol ]][[ formatCurrency(taxDetails.surcharge) ]]

[[ labels.cess ]] [[ sys.meta.currency_symbol ]][[ formatCurrency(taxDetails.cess) ]]

[[ labels.total_tax ]] [[ sys.meta.currency_symbol ]][[ formatCurrency(annualTax) ]]

Effective Tax Rate: [[ taxDetails.effectiveRate ]]%

Projection

Compare with past 2 years

About NetSalary India

NetSalary is the most accurate take-home salary calculator designed for Indian professionals. Updated for the Union Budget 2026, it helps you estimate your monthly in-hand pay after all statutory deductions like Provident Fund (PF), Professional Tax, and Income Tax.

Key Features:

New vs Old Regime: Compare tax liabilities instantly.
NPS 80CCD(2) Calculator: See how much tax you save by opting for Employer NPS contribution.
Surcharge Accuracy: Handles the complex surcharge capping logic (25% vs 37%) for High Net Worth Individuals.
Real-time Graph: Visualize how your in-hand pay changes as your CTC increases.

Disclaimer: This tool provides estimates based on the Finance Bill. Actual tax liability may vary based on other exemptions (HRA, LTA, 80D) not covered in this simplified calculator.