¿Qué es la Calculadora de Salario?
Una Calculadora de Salario estima su salario neto mensual a partir de su salario bruto y deducciones aplicables. Aplica fórmulas estándar a los valores que usted ingresa y devuelve el resultado al instante, sin enviar ningún dato a un servidor. Los empleados la usan para comparar ofertas de trabajo y planificar sus presupuestos.
Calculadora de Salario
Estime su salario neto mensual a partir de su salario bruto y deducciones federales.
Costo Total para el Empleador
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₹15.00 Lakh
Enforce 50% wage rule
Per Code on Wages, 2019 - basic must be ≥50% of CTC
Salary components
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Provident Fund & Gratuity▾
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Optional add-ons
EPF admin charges
Employer-paid to EPFO. Part of CTC only.
Include gratuity
4.81% of basic salary
Personal & HRA▾
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Deductions - Old regime only▾
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Take Inicio Mesly Salary
NEW REGIME₹0
₹0 per year
Old vs New Regime
Old Regime
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Tax: ₹0
New Regime
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Tax: ₹0
Salary Structure
Detailed Desglose
Your Tax Slab
Educational tool only - not tax advice. Verify with a CA for filing.
Slabs and rules per Finance Act 2025 / Income Tax Act 1961, applicable for FY 2025-26.
💰 Tax Saving Options - FY 2025-26 (India)
Indian residents can legally reduce taxable income through these deductions and exemptions. Old regime users can claim most of these; the new regime (default from FY 2023-24) only allows a few. Maximums shown are for FY 2025-26.
| Section | What it covers | Max deduction | Old / New |
|---|---|---|---|
| 80C | PPF, ELSS, EPF, NSC, LIC, NPS Tier-1, ULIP, Sukanya Samriddhi, Tuition fees, Home loan principal, 5-yr FD | ₹1,50,000 | Old only |
| 80CCD(1B) | Additional NPS contribution (over 80C) | ₹50,000 | Old only |
| 80D | Health insurance: ₹25K self/family + ₹50K senior parents + ₹5K preventive | ₹1,00,000 | Old only |
| 24(b) | Home loan interest (self-occupied) | ₹2,00,000 | Old only |
| HRA | Min of 3: actual HRA, 50%/40% basic, rent-10% basic | Variable | Old only |
| 80E | Education loan interest (8 years) | No limit | Old only |
| Std Deduction | Salaried + pensioners (auto) | ₹50K (old) / ₹75K (new) | Both |
| 87A Rebate | Net tax rebate if income ≤ ₹12L (new) / ₹5L (old) | Up to ₹60K (new) | Both |
| 80G | Donations to approved charities (50% / 100%) | Variable | Old only |
| 80TTA / 80TTB | Savings interest (₹50K for seniors) | ₹10K / ₹50K | Old only |
Maximum legal saving under old regime (salaried): Standard deduction ₹50K + 80C ₹1.5L + 80CCD(1B) ₹50K + 80D ₹1L + 24(b) ₹2L + HRA (variable) = ~₹5.5L+ deductions excluding HRA. Combined with 87A rebate, taxable income up to ₹12-13L can result in zero tax under old regime with full optimisation.
Acerca de esta herramienta
The India Salary Calculator converts your annual Cost to Company (CTC) into actual monthly take-home pay for FY 2025-26 (AY 2026-27). It implements the revised income-tax slabs from the Finance Act 2025, the Code on Wages, 2019 (notified 21 November 2025 with the 50% wage rule), and the current Provident Fund and gratuity provisions.
Most Indian salaried employees see only the CTC number on their offer letter - a misleading figure that bundles employer PF, gratuity, group insurance, ESPP, performance bonus, and statutory contributions. Your actual monthly bank credit is typically 65-78% of CTC depending on income bracket and whether you opt for the Old or New regime. This calculator strips CTC down to its parts, applies the correct tax math under both regimes, and tells you the precise rupee amount that hits your account each month.
It compares the Old Regime (lower standard deduction of ₹50,000 but allows HRA exemption, 80C, 80D, home loan interest, NPS deductions) against the New Regime (no exemptions except ₹75,000 standard deduction and 80CCD(2), but lower slabs and a generous ₹12 Lakh §87A rebate), then highlights which one saves more tax for your specific deductions profile.
Unlike calculators on ClearTax or ETMoney, this tool runs entirely in your browser - your salary data never touches any server. There's no email gate to a chartered accountant.
Last updated: FY 2025-26 (Finance Act 2025)
Cómo funciona
- Enter your Annual CTC - the headline number from your offer letter. The calculator auto-fills Basic at 50% per the Code on Wages, 2019 (you can override).
- Adjust HRA, LTA, and Bonus from your specific salary structure. Special Allowance auto-balances so the components sum to your CTC exactly.
- Pick a PF Mode: Capped (₹1,800/mo each side - the statutory minimum used by most Indian IT companies), Uncapped 12% of basic, or Manual if your company has a custom PF arrangement.
- Toggle Gratuity and EPF Admin charges only if your offer letter explicitly lists them in CTC. Many companies don't.
- Enter rent paid + city type - critical for HRA exemption under the Old Regime. Only Mumbai, Delhi, Kolkata, and Chennai are "metro" (50%); everywhere else (including Bengaluru, Hyderabad, Pune, Gurgaon) is "non-metro" (40%).
- Add Old-Regime deductions: 80C (PPF/ELSS/LIC/EPF up to ₹1.5L), 80D (health insurance), 80CCD(1B) (extra ₹50k for NPS), 80E (education loan interest, no cap), 24(b) (home loan interest up to ₹2L self-occupied).
The right pane updates instantly - showing the monthly take-home under whichever regime saves more, a donut chart of your CTC composition, both-regime side-by-side cards, the slab visualization showing exactly where your taxable income lands, and a line-by-line breakdown from Gross Salary to In-Hand.
Fórmula
In-Hand Salary = Gross Salary - Employee PF - Professional Tax - Income Tax
Gross Salary = Basic + HRA + Special + Bonus + LTA + 80CCD(2)
Income Tax = (Slab Tax - §87A Rebate) × (1 + Surcharge%) × 1.04 (Cess)
Gross Salary = Basic + HRA + Special + Bonus + LTA + 80CCD(2)
Income Tax = (Slab Tax - §87A Rebate) × (1 + Surcharge%) × 1.04 (Cess)
Worked Examples
Worked Example
₹15 Lakh CTC, single, no rent, no investments (most common)
A typical entry-mid-level IT employee. CTC = ₹15,00,000. Basic = ₹7,50,000 (50% rule). HRA = ₹3,75,000. PF capped at ₹1,800/mo. No gratuity. No rent (lives with parents). No 80C investments yet.
| Old Regime | New Regime | |
|---|---|---|
| Gross Salary | ₹14,78,400 | ₹14,78,400 |
| - Standard Deduction | ₹50,000 | ₹75,000 |
| - 80C (Employee PF only) | ₹21,600 | - |
| Taxable Income | ₹14,04,400 | ₹14,03,400 |
| Tax + Cess | ₹2,43,173 | ₹94,130 |
| In-Hand / year | ₹12,11,227 | ₹13,60,270 |
| In-Hand / month | ₹1,00,936 | ₹1,13,356 |
New Regime wins by ₹1,49,043/year (₹12,420/mo) because there are no deductions to claim. This is the default scenario for fresh hires and anyone living with family.
Worked Example
₹15 Lakh CTC, paying ₹3L rent in metro, ₹1.5L 80C, ₹50k 80D
A married IT professional renting in Mumbai with full 80C use and family health insurance.
| Old Regime | New Regime | |
|---|---|---|
| HRA exemption | ₹2,25,000 | - |
| + Std Ded + 80C + 80D + 80CCD(1B) | ₹2,71,600 | ₹75,000 |
| Total deductions claimed | ~₹4,96,600 | ₹75,000 |
| Tax + Cess | ₹1,03,376 | ₹94,130 |
| In-Hand / month | ₹1,12,825 | ₹1,13,356 |
Even with full 80C + 80D + HRA, the New Regime still wins by a hair (~₹500/mo). Old Regime needs deductions of ~₹5.2L+ to start winning at this CTC.
Worked Example
₹30 Lakh CTC, married homeowner, full deductions
Senior tech lead. CTC ₹30L. Pays ₹2L home loan interest, ₹1.5L 80C (PPF + ELSS), ₹50k NPS, ₹25k health insurance, lives in own house (no HRA).
Total Old-Regime deductions: ₹4.25L + ₹50k std + Employee PF (~₹22k for capped). Old Regime tax: ~₹3.86L. New Regime tax: ~₹3.51L. Difference: New saves ₹35,000/yr at this combination.
For Old to win at ₹30L CTC, deductions would need to total ~₹4.5L+ (e.g., add 24b home loan interest and 80CCD(2) employer NPS).
Worked Example
₹50 Lakh CTC - Old regime advantage with maxed deductions
Senior engineering manager. CTC ₹50L. Pays ₹2L home loan interest, ₹1.5L 80C, ₹50k NPS, ₹50k health (parents senior), ₹3L rent in non-metro, employer NPS contribution ₹2L.
Total deductions: ~₹6L+ on Old Regime. Surcharge kicks in (10%) above ₹50L taxable. Here Old Regime saves ~₹1L/year over New for those with maxed deductions and a salary structure that maximizes 80CCD(2).
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Tips & Best Practices
Tip: If your CTC is below ₹12.75 Lakh, the New Regime is almost always optimal - you pay zero tax due to the §87A rebate (₹12L taxable + ₹75k std deduction).
Tip: Old vs New is a per-year decision for salaried employees - you can switch every year while filing ITR. Only business-income filers face the 'one-way switch' restriction.
Tip: Negotiate basic salary to be at least 50% - this is the legal minimum under Code on Wages, 2019. Higher basic raises PF and gratuity (more retirement corpus) but slightly lowers in-hand.
Tip: If renting in a metro, claim HRA aggressively - it's often worth ₹1-3 Lakh/year in tax savings, and you can claim against rent paid to parents (with proper agreement and PAN).
Tip: Opt for VPF (Voluntary Provident Fund) on top of EPF for tax-free 8.25% returns - much better than a ₹15,000+/mo cap restriction.
Tip: Use 80CCD(2) - employer NPS contribution. Up to 14% of basic is tax-deductible in BOTH regimes. Ask HR if your company supports this structuring.
Tip: Don't blindly pick Old regime for the deductions - run both numbers every year as your salary, rent, and investments change.
Common Mistakes to Avoid
Common mistake: Assuming CTC = take-home. The gap is typically ₹3-7 Lakh/year due to PF, taxes, professional tax, and gratuity (which you can't access for 5 years).
Common mistake: Forgetting employee PF in 80C - it counts! Don't double-claim by adding it as PPF AND including in 80C investments.
Common mistake: Treating Bengaluru/Hyderabad as 'metro' for HRA - they are not. Only Mumbai, Delhi, Kolkata, Chennai qualify for the 50% rule.
Common mistake: Picking Old regime in February for tax planning, then realizing your investments don't actually qualify (e.g., assuming any FD is 80C-eligible - only 5-year tax-saving FDs are).
Common mistake: Including employer PF in 80C - it's already a tax-free contribution; you only count employee PF (your 12% share).
Common mistake: Ignoring 80CCD(2) - one of the few deductions allowed in the New Regime. Employer NPS contribution up to 14% of basic is fully deductible.
Glossary
- CTC
- Cost to Company - everything the employer spends on you including base, variable, employer PF, gratuity, insurance, ESPP.
- Gross Salary
- Sum of taxable salary components: basic + allowances + bonuses. Excludes employer PF and gratuity.
- In-Hand Salary
- Net amount that credits to your bank account each month after PF, professional tax, and income tax deductions.
- Basic Salary
- Foundational pay component. PF, gratuity, and most retirement contributions are computed on basic. Per Code on Wages 2019, must be ≥50% of CTC.
- HRA
- House Rent Allowance - tax-exempt under Section 10(13A) if you actually pay rent. Exemption = min(actual HRA, 50% basic for metro / 40% non-metro, rent - 10% basic).
- EPF
- Employees' Provident Fund. Both employee and employer contribute 12% of basic. Currently earns 8.25% interest. Withdrawal tax-free after 5 years of service.
- Gratuity
- Lump sum at exit per Payment of Gratuity Act 1972. 4.81% of basic accrues yearly. Eligible after 5 years of service. ₹20L tax-exempt under Section 10(10).
- §87A Rebate
- Tax credit reducing your tax liability to zero up to a threshold income. New Regime: full rebate up to ₹12L taxable income. Old Regime: ₹12,500 up to ₹5L taxable.
- Surcharge
- Additional tax on income tax for high earners. 10% (₹50L-1Cr), 15% (1-2Cr), 25% (2-5Cr), 37% above ₹5Cr Old / 25% capped New.
- Cess
- Health & Education Cess of 4% applied on (income tax + surcharge). Funds national education and healthcare missions.
- Standard Deduction
- Flat deduction for salaried employees under Section 16(ia). FY 2025-26: ₹50,000 Old Regime, ₹75,000 New Regime.
- TDS
- Tax Deducted at Source. Your employer estimates annual tax and deducts 1/12th each month per Section 192.
Preguntas Frecuentes
What is the difference between CTC and salario neto?
CTC includes everything your employer spends on you - basic, allowances, employer PF, gratuity, insurance. In-hand is what credits to your bank account after employee PF, professional tax, and income tax are deducted. The gap is typically 22-35% of CTC depending on tax bracket.
¿Cómo afectan las deducciones del W-4 a mi salario neto?
Cuando llena su formulario W-4, declara dependientes, deducciones adicionales y créditos esperados. Estas opciones determinan cuánto impuesto federal se retiene de cada cheque. Más deducciones reclamadas resultan en menos retención y mayor salario neto - pero también un reembolso menor (o impuestos adicionales) al presentar su declaración anual.
¿Qué retenciones obligatorias salen de mi salario?
En EE.UU., las retenciones obligatorias incluyen: impuesto federal sobre la renta (variable según tramo), impuesto estatal sobre la renta (varía por estado; nueve estados no tienen), Seguro Social (6.2% hasta €168,600 en 2024) y Medicare (1.45% sin límite, más 0.9% adicional sobre €200,000). Algunas ciudades como Nueva York también retienen impuesto local.
¿Qué es el salario bruto vs neto vs salario imponible?
Salario bruto: lo que su empleador acuerda pagarle antes de cualquier deducción. Salario imponible: salario bruto menos contribuciones antes de impuestos como 401(k), HSA o seguros médicos. Salario neto: lo que recibe en su cuenta después de todas las retenciones de impuestos y deducciones.
¿Cuánto debo aportar a mi 401(k)?
Como mínimo, contribuya lo suficiente para obtener la contribución completa del empleador - eso es dinero gratis. Más allá de eso, una buena regla es ahorrar el 15% de su salario para la jubilación (incluyendo el match del empleador). El límite del IRS para 2025 es €23,500 (€31,000 si tiene 50 años o más).
Can I claim HRA if I live with parents?
Yes - if you genuinely pay rent to your parent (who must be the property owner) and they declare it as rental income in their ITR. You'll need rent receipts, ideally a rent agreement, and the landlord's PAN if rent exceeds ₹1L/year. Expect HR to ask for proof in February.
What is the 87A rebate marginal relief?
If your taxable income just exceeds ₹12L (New Regime), tax payable cannot exceed (income - ₹12L). Example: at ₹12.10L taxable, slab tax is ₹61,500 but marginal relief caps tax at ₹10,000. Without relief, a ₹1 increase past ₹12L would trigger ₹61k+ tax - the relief makes the boundary smooth.
Does professional tax apply everywhere?
No. Professional tax is state-levied. Major states with PT: Maharashtra, Karnataka, Tamil Nadu, West Bengal, Telangana, Gujarat (₹150-200/mo, max ₹2,500/yr). Delhi, UP, Haryana, Rajasthan have no PT. Set the value based on your state.
How is special allowance calculated?
Special Allowance is the residual: CTC - (Basic + HRA + LTA + Bonus + Employer PF + Gratuity + 80CCD(2)). It's 100% taxable. Companies use it as a flexible bucket that doesn't trigger statutory contributions. The calculator computes it automatically when you adjust other components.
Are bonuses taxed differently?
No - performance and joining bonuses are taxed as regular salary at slab rates in the year of receipt. They get added to your annual gross. There's no separate flat rate. Plan ahead: a large March bonus can push you into the next slab.
What about ESPP and RSUs in CTC?
RSUs/ESOPs grants are typically NOT in CTC unless the company explicitly includes the annual vesting value. They're taxed as perquisites at vesting (added to salary) and capital gains at sale. The calculator focuses on cash compensation - add the vesting value separately if needed.
Why do I see different in-hand figures on different calculators?
Common reasons: (1) some default rent paid as ~HRA giving fake exemption; (2) some default ₹1.5L 80C invested; (3) some include/exclude gratuity; (4) some assume uncapped PF. This calculator shows zeros by default for transparency - enter your actual numbers.
How accurate is this for my actual payslip?
If you input the same basic, HRA, special allowance, and PF setup as your offer letter, the calculator matches your payslip's gross to the rupee. The difference (if any) is in: (a) variable bonuses paid in different months, (b) state-specific PT, (c) ad-hoc reimbursements, (d) employer's TDS calculation timing - typically employers true-up in March.
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Como se calcula realmente el salario neto
"Salario" puede significar cuatro cifras muy distintas. Entender cual estas viendo marca la diferencia entre claridad y confusion:
| Termino | Significado | Por que importa |
|---|---|---|
| Coste total empresa | Todo lo que la empresa paga por ti: salario bruto + cotizaciones empresariales + beneficios | Se menciona en negociaciones, nunca llega integro a tu cuenta |
| Salario bruto | Coste total menos cotizaciones del empleador | Base imponible para el IRPF y las deducciones del trabajador |
| Salario neto | Bruto menos IRPF, Seguridad Social del trabajador | Lo que realmente llega a tu cuenta bancaria |
Las deducciones paso a paso
- Seguridad Social (trabajador): Contingencias comunes (4,7 %), desempleo (1,55 %), formacion profesional (0,1 %). Total aprox. 6,35 % del bruto.
- IRPF (retencion): Tramos progresivos del 19 % al 47 %. El minimo personal es de 5.550 euros anuales.
- Otras deducciones: Plan de pensiones de empresa, anticipos, embargos judiciales.
Ejemplo practico: 35.000 euros brutos anuales en Espana
| Concepto | Anual | Mensual (14 pagas) |
|---|---|---|
| Salario bruto | 35.000 euros | 2.500 euros |
| Seguridad Social (6,35 %) | aprox. 2.220 euros | aprox. 159 euros |
| IRPF (retencion aprox. 15 %) | aprox. 5.250 euros | aprox. 375 euros |
| Salario neto | aprox. 27.530 euros | aprox. 1.966 euros |
Factores que puedes controlar
- Plan de pensiones: Las aportaciones reducen la base imponible del IRPF hasta 1.500 euros/ano (o 8.500 euros con aportaciones empresariales).
- Deduccion por vivienda habitual: Si compraste antes de 2013, puedes deducir hasta el 15 % sobre un maximo de 9.040 euros anuales.
- Retribuciones en especie: Cheques restaurante, seguro medico de empresa, transporte: exentos o con tributacion reducida.
- Comunidad autonoma: Los tramos autonomicos del IRPF varian. Madrid tiene tipos mas bajos que Cataluna o Andalucia.
Preguntas frecuentes
Por que mi companero cobra lo mismo pero tiene mas neto?
Las causas mas probables: diferente situacion familiar (hijos, estado civil), diferente tipo de retencion de IRPF comunicada a la empresa, o aportaciones distintas a plan de pensiones.
Como afecta una subida de sueldo a mi neto?
Menos de lo esperado. Una subida de 3.000 euros brutos a un tipo marginal del 30 % se traduce en unos 2.100 euros netos adicionales al ano. El tipo marginal importa, no el promedio.
Cuantas pagas tengo al ano?
Lo habitual en Espana son 14 pagas (12 mensuales + 2 extraordinarias en junio y diciembre). Algunos convenios prorratean las extras, resultando en 12 pagas mas altas.