Take-Home Pay Calculator
Estimate your net pay after taxes and deductions - per paycheck, per month, and per year.
Rough estimate only. Actual taxes vary by country, state, filing status, and deductions - adjust the tax rate to match your situation.
The gap between the salary in the offer letter and the amount that reaches your account surprises people every time, and it is the number that actually determines whether you can take the job. This estimates net pay after the usual deductions so you are negotiating against a figure that means something.
Reading a net pay estimate correctly
This is an estimate, not a payslip
Real deductions depend on your tax code, region, allowances, existing declarations and any benefits you opt into. Treat the output as the right order of magnitude for comparing two offers, not as a figure to budget to the rupee or cent.
Negotiate on gross, evaluate on net
Employers discuss gross salary and that is the number in your contract, so that is what you counter on. Your decision about whether the offer works should be made on the net figure - especially across a relocation.
A raise does not increase take-home proportionally
Where tax is progressive, part of an increase is taxed at a higher rate than the rest of your pay. A twenty percent raise reliably delivers less than twenty percent more in hand, which is worth knowing before you celebrate.
Count what the employer pays around the salary
Retirement contributions, insurance premiums covered, and transport or meal allowances do not appear in net pay but are real money. A lower net with strong benefits regularly beats a higher one without.
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