Salary Breakup Calculator India 2025
Free Salary Breakup Calculator for Indians. Calculate your take-home salary with accuracy. Estimate tax deductions, allowances, and plan your monthly income effectively.
Salary Breakup
Take-Home Salary
₹47,400
Basic Pay
₹20,000
HRA
₹8,000
Special Allowance
₹22,000
Gross Salary
₹50,000
PF Deduction
₹2,400
Professional Tax
₹200
Income Tax
₹0
Net Salary (Take-Home)
₹47,400
Tax Breakdown
Annual Tax
₹0
Taxable Income
₹493,800
Base Tax
₹0
Surcharge
₹0
Health & Education Cess
₹0
Effective Tax Rate
0.00%
Understanding Your Salary Structure
Your salary is composed of various components that affect both your gross and take-home pay. Understanding these components helps you:
- Plan your finances better by knowing your exact take-home pay
- Optimize your tax savings through proper allocation of allowances
- Understand the impact of different salary components on your net income
- Make informed decisions about salary negotiations and job offers
Key Components Explained
Basic Pay
Usually 30-50% of gross salary, forms the foundation for other calculations like PF and HRA.
HRA
House Rent Allowance can be calculated as a percentage of basic pay or fixed amount, with tax benefits under certain conditions.
Special Allowance
The remaining amount after basic pay and HRA, fully taxable but flexible in nature.
Deductions
Includes PF (12% of basic), professional tax, income tax, and other statutory deductions.
Frequently Asked Questions
What is a Salary Breakup Calculator?
A Salary Breakup Calculator is a tool that helps you understand how your gross salary is distributed across various components and calculates your take-home pay after all deductions. It provides a detailed breakdown of your salary structure including basic pay, allowances, deductions, and tax calculations.
What are the main components of salary?
The main components of salary include: 1) Basic Pay (30-50% of gross salary) 2) House Rent Allowance (HRA) 3) Special Allowance 4) Other Allowances (medical, conveyance, etc.) 5) Deductions (PF, Professional Tax, Income Tax) 6) Net Salary (Take-Home Pay)
How is HRA calculated?
HRA can be calculated in two ways: 1) As a percentage of basic pay (typically 40-50%) 2) As a fixed amount. The actual HRA exemption for tax purposes is the least of: a) Actual HRA received b) 50% of basic pay (40% for non-metro cities) c) Excess of rent paid over 10% of basic pay
What is the difference between old and new tax regimes?
The old tax regime offers various deductions and exemptions under different sections of the Income Tax Act, while the new regime (introduced in 2020) offers lower tax rates but with fewer deductions. The new regime is optional, and taxpayers can choose between the two based on their income and deductions.
What are the common salary deductions?
Common salary deductions include: 1) Provident Fund (PF) - 12% of basic pay 2) Professional Tax - varies by state 3) Income Tax - based on tax slabs 4) Insurance Premiums 5) Loan Repayments 6) Other statutory deductions
How is Provident Fund (PF) calculated?
Provident Fund is calculated as 12% of basic pay, with both employee and employer contributing equally. The employee's contribution is deducted from salary, while the employer's contribution is an additional cost to the company.
What is Professional Tax?
Professional Tax is a state-level tax levied on salaried individuals. The amount varies by state, with most states charging ₹200 per month for individuals earning above a certain threshold. It's deducted from your salary before calculating income tax.
How are allowances taxed?
Allowances are taxed differently based on their type: 1) HRA is partially exempt under certain conditions 2) Transport allowance is fully taxable 3) Medical allowance is fully taxable unless supported by bills 4) Special allowance is fully taxable
What is Cost to Company (CTC)?
Cost to Company (CTC) is the total amount that a company spends on an employee, including: 1) Gross salary 2) Employer's PF contribution 3) Insurance premiums 4) Other benefits. It's different from take-home salary as it includes all costs borne by the employer.
How can I optimize my salary structure?
You can optimize your salary structure by: 1) Choosing the right tax regime 2) Maximizing tax-free allowances 3) Claiming all eligible deductions 4) Investing in tax-saving instruments 5) Properly structuring your HRA 6) Using benefits like food coupons 7) Contributing to NPS
⚠️ Disclaimer: This calculator provides estimates based on standard salary structures and current tax laws. Actual salary components and tax calculations may vary based on company policies, location, and specific circumstances. Please consult your HR department or tax advisor for accurate calculations.
How to Use This Calculator
Step-by-Step Instructions
- Enter your gross salary
- Add basic salary percentage
- Include allowances and deductions
- Add tax-saving investments
- Click Calculate to see salary breakdown
Example Calculation
Example: For a gross salary of ₹75,000 with 40% basic pay, your take-home salary would be approximately ₹65,000 after deductions.