Salary After Tax Calculator
Enter your plain annual gross salary and see your estimated net salary after income tax for FY 2025-26, under either the new or old tax regime. This calculator does not start from a CTC figure and does not model PF, gratuity or professional tax — it applies tax directly to the gross salary you enter.
Fill in the form and select "Calculate" to see your results here.
What is the Salary After Tax Calculator?
This calculator converts a plain gross annual salary directly into an estimated net take-home salary, after income tax for FY 2025-26. It is deliberately simple: it does not build up a CTC breakdown, and it does not model employer PF contribution, gratuity accrual or professional tax. You enter the gross salary you already know, choose a tax regime, and see the tax and net salary that follow.
If your employer quotes your pay as a CTC figure rather than a plain gross salary, use the Take-Home Salary Calculator instead, which models the PF, gratuity accrual and professional tax deductions between CTC and gross salary before applying tax.
How to use this calculator
- Enter your annual gross salary — the amount your employer pays you before tax, not your CTC.
- Select your tax regime — New or Old.
- If you selected the old regime, choose your age category and enter your Section 80C investments and any other eligible deductions.
- Select "Calculate Net Salary" to see your estimated annual tax, net annual salary, and net monthly salary.
Formula
The underlying slab, rebate, surcharge and cess rules are the same FY 2025-26 configuration used by the Income Tax Calculator — see the editorial policy for how these figures are sourced and kept current.
Example
Consider a gross annual salary of ₹15,00,000 under the new tax regime. The ₹75,000 standard deduction brings taxable income down to ₹14,25,000. Slab tax works out to ₹20,000 on the ₹4,00,000-₹8,00,000 band (5%), ₹40,000 on the ₹8,00,000-₹12,00,000 band (10%), and ₹33,750 on the remaining ₹2,25,000 (15%) — a total of ₹93,750. Because taxable income is well above the ₹12,00,000 rebate threshold used for the new regime, no Section 87A rebate applies. Adding 4% health & education cess (₹3,750) brings the total estimated annual tax to ₹97,500. Net annual salary is ₹15,00,000 − ₹97,500 = ₹14,02,500, which works out to a net monthly salary of about ₹1,16,875.
Factors that affect your net salary
- Gross salary vs. CTC. This calculator assumes the figure you enter already excludes employer PF contribution and gratuity accrual — that is, it is not a CTC number. Entering your CTC here will overstate your tax and understate your true take-home pay; use the Take-Home Salary Calculator instead in that case.
- Regime choice. The old regime allows deductions like Section 80C and other eligible deductions, but taxes income at higher slab rates. The new regime has lower slab rates but disallows most deductions.
- Marginal relief on surcharge. Like the Income Tax Calculator, this estimate applies a flat surcharge rate for the applicable slab and does not smooth the small marginal-relief band right at each surcharge threshold.
- HRA exemption. This calculator does not calculate HRA exemption. Work it out separately with the HRA Calculator and add it under "Other Deductions" if you select the old regime.
Frequently Asked Questions
This calculator starts from a plain gross annual salary and only applies estimated income tax to reach your net salary. The Take-Home Salary Calculator starts from your CTC figure and first works out your gross salary by modeling employer PF contribution, gratuity accrual and professional tax, before applying the same tax estimate. Use this calculator if you already know your gross salary; use Take-Home Salary if you only know your CTC.
Gross salary is the amount your employer pays you before tax is deducted — it's what typically appears as your total earnings on a payslip. CTC (Cost to Company) is a larger figure that also includes employer contributions that never reach your bank account, such as the employer's share of PF and gratuity accrual. Entering your CTC into this calculator instead of your gross salary will overstate your tax and understate your true take-home pay.
No. HRA exemption depends on your rent paid, city of residence and basic salary, and isn't modeled here. Work out your exemption amount with the HRA Calculator, then add it under "Other Deductions" if you select the old tax regime — the new regime does not allow an HRA exemption.
It depends on how much you can claim in deductions under the old regime relative to your income. This calculator lets you try both regimes on the same gross salary figure, but for a full side-by-side comparison with a direct recommendation, use the Old vs New Tax Regime Calculator.
No. This calculator estimates your total annual tax liability and the resulting net salary, not the balance still payable after TDS. Compare the estimated annual tax shown here to the TDS on your Form 16 to see whether you owe additional tax or are due a refund.
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Tax calculations are estimates based on the selected financial year and the information entered. They do not account for every deduction, exemption, or edge case in the Income Tax Act, and are not a substitute for professional tax advice. See our full disclaimer.