This post-tax salary calculator turns an Indian gross salary into the net figure left after income tax under the New Regime, using the current financial year's slabs. Enter your gross package or an already-taxable figure and it applies the standard deduction, every slab, the Section 87A rebate with marginal relief, and 4% cess. For the payslip view after provident fund and professional tax, use the in-hand salary calculator, and to start from an offer letter use the CTC to in-hand calculator. No sign-up, and nothing you type leaves your browser.
| Step | Amount |
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| Income Slab | Rate | Taxable in Slab | Tax |
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| Component | Amount |
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This post-tax salary calculator answers one question in rupees: after income tax under the New Regime, how much of your salary is actually yours. Type a gross annual figure and the tool applies the ₹75,000 standard deduction, walks your taxable income through every slab, applies the Section 87A rebate and its marginal relief where they are due, adds 4% Health and Education Cess, and returns the annual and monthly net figure with the effective rate beside it. If your payroll team has already handed you a taxable income, switch the basis and the tool skips the deduction step and uses your figure as it stands.
Post-tax salary is not the same thing as take-home pay, and the difference matters. This page stops at income tax, because income tax is the one deduction that follows statutory slabs and can be computed from a single number. Provident fund, professional tax and any employer recovery come out afterwards, which is why the figure here is a ceiling on what reaches your bank rather than a payslip. For the amount after those deductions, the take-home salary calculator and the in-hand salary calculator pick up where this one stops. For the tax layer on its own, including surcharge on high incomes, use the income tax calculator or compare both systems with the old versus new tax regime tool. Everything on this page sits inside the wider set of salary calculators for India.
One number and one dropdown. The full slab walk, the rebate and the cess appear without a page reload.
Jump back to the post-tax salary calculator and run your own number.
Annual rupees, salaried, gross basis with the ₹75,000 standard deduction applied and no other deduction. Every figure below was produced by the calculator on this page, not written by hand.
| Step | ₹12,75,000 gross | ₹18,00,000 gross | ₹30,00,000 gross |
|---|---|---|---|
| Annual gross salary | 12,75,000 | 18,00,000 | 30,00,000 |
| Less standard deduction | 75,000 | 75,000 | 75,000 |
| Annual taxable income | 12,00,000 | 17,25,000 | 29,25,000 |
| Nil up to ₹4,00,000 | 0 | 0 | 0 |
| 5% on ₹4,00,001 to ₹8,00,000 | 20,000 | 20,000 | 20,000 |
| 10% on ₹8,00,001 to ₹12,00,000 | 40,000 | 40,000 | 40,000 |
| 15% on ₹12,00,001 to ₹16,00,000 | 0 | 60,000 | 60,000 |
| 20% on ₹16,00,001 to ₹20,00,000 | 0 | 25,000 | 80,000 |
| 25% on ₹20,00,001 to ₹24,00,000 | 0 | 0 | 1,00,000 |
| 30% above ₹24,00,000 | 0 | 0 | 1,57,500 |
| Tax before rebate | 60,000 | 1,45,000 | 4,57,500 |
| Section 87A rebate | 60,000 | 0 | 0 |
| Health and Education Cess at 4% | 0 | 5,800 | 18,300 |
| Total tax payable | 0 | 1,50,800 | 4,75,800 |
| Annual post-tax salary | 12,75,000 | 16,49,200 | 25,24,200 |
| Monthly post-tax salary | 1,06,250 | 1,37,433 | 2,10,350 |
| Effective tax rate | 0.00% | 8.38% | 15.86% |
Three things in that table are worth sitting with. At ₹12,75,000 gross the tax is not small, it is zero: the standard deduction brings taxable income to exactly ₹12,00,000, the rebate cancels the whole ₹60,000 of slab tax, and there is nothing left for cess to apply to. At ₹18,00,000 the top slab reached is 20 percent, yet the effective rate is 8.38 percent, because only ₹1,25,000 of the salary is ever taxed at 20 percent and the first ₹4,00,000 is taxed at nothing. Even at ₹30,00,000, where the 30 percent band is in play, the effective rate is 15.86 percent, about half the headline rate. The gap between your marginal slab and your effective rate is the single most misread number in Indian salary arithmetic. For the same salaries after provident fund and professional tax as well, run them through the in-hand salary calculator, and to see how the gross figure itself is assembled from Basic and HRA use the salary breakup calculator.
A post-tax salary calculator exists because the number on your offer letter and the number you can plan around are two different things. Income tax is the largest single wedge between them for most salaried people in India, and it is the one wedge that follows published slabs rather than an employer's internal policy. That makes it computable from one figure, which is exactly what this page does.
The tool is built for the person who has a gross annual salary and wants the honest annual and monthly figure after income tax, without first learning what taxable income means. It is also built for the person who already knows their taxable income from a Form 16 and wants the slab walk laid out rather than a single total. Both paths end at the same three numbers: total tax payable, annual post-tax salary and the effective rate you are actually paying.
What it is not is a payslip. Provident fund, professional tax, insurance recoveries and any loan deduction your employer runs all sit outside income tax and outside this calculation. If those matter to you, and they usually do, the take-home salary calculator and the in-hand salary calculator are the right pages, and the provident fund calculator shows what the EPF slice becomes over a career.
Net salary means what is left of your salary after the deductions that apply to it have been taken out. Gross salary is the figure before any of them. Those two sentences settle most of the confusion, but the detail underneath is where people go wrong, because Indian payslips carry at least three numbers that all get called salary.
The formula people search for is short. Net salary equals gross salary minus total deductions, where total deductions are income tax plus employee provident fund plus professional tax plus anything else your employer recovers. Written the way this calculator uses it, post-tax salary equals gross salary minus income tax, and income tax equals slab tax minus Section 87A rebate, plus 4% cess on whatever survives.
A worked rupee example makes it concrete. On a gross salary of ₹18,00,000, the standard deduction of ₹75,000 brings taxable income to ₹17,25,000. The slab walk produces ₹1,45,000 of tax, no rebate is due at that level, and 4% cess adds ₹5,800, so total income tax is ₹1,50,800. Net of income tax, the annual figure is ₹16,49,200, or ₹1,37,433 a month. Subtract EPF and professional tax on top of that and you have net salary in the payslip sense, which is why this page calls its output post-tax salary rather than in-hand pay.
Two neighbours are worth naming so you land on the right page. Take-home salary is the everyday phrase for what actually arrives, and it lives at the take-home salary calculator. In-hand salary is the same idea stated the way Indian recruiters state it, and it lives at the in-hand salary calculator. If you are starting from a CTC rather than a gross figure, decode the package first with the CTC to in-hand salary calculator or see the components split out by the salary breakup calculator.
The New Regime is the default tax system for individuals, and it is what this calculator computes. It has seven bands, lower marginal rates than the Old Regime, and almost none of the deductions people used to plan around. The slabs below are the ones the engine on this page applies for the current financial year.
| Taxable Income Slab | Rate | Maximum Tax in the Slab |
|---|---|---|
| Up to ₹4,00,000 | Nil | Nil |
| ₹4,00,001 to ₹8,00,000 | 5% | ₹20,000 |
| ₹8,00,001 to ₹12,00,000 | 10% | ₹40,000 |
| ₹12,00,001 to ₹16,00,000 | 15% | ₹60,000 |
| ₹16,00,001 to ₹20,00,000 | 20% | ₹80,000 |
| ₹20,00,001 to ₹24,00,000 | 25% | ₹1,00,000 |
| Above ₹24,00,000 | 30% | Uncapped |
Three things sit on top of that table. The standard deduction of ₹75,000 for salaried taxpayers comes off gross salary before any slab is touched. The Section 87A rebate then wipes out tax entirely where taxable income is ₹12,00,000 or less, up to a maximum rebate of ₹60,000, which is exactly the slab tax at that income. Finally, Health and Education Cess at 4% is added to whatever tax survives the rebate. For a salaried person the three combine into a well-known threshold: ₹12,75,000 of gross salary carries no income tax at all.
Marginal relief is the part most calculators quietly skip. Cross ₹12,00,000 of taxable income by one rupee and the rebate falls away, which on the raw slabs would turn ₹0 of tax into ₹60,000. The law does not allow that cliff: where taxable income is just above the threshold, tax before cess is capped at the amount by which income exceeds ₹12,00,000. At ₹12,50,000 taxable, slab tax of ₹67,500 is cut to ₹50,000 and the total with cess is ₹52,000. The relief runs out at roughly ₹12,70,600, after which normal slab tax applies. This calculator applies it. If a figure here differs from another tool by tens of thousands in that band, marginal relief is almost always the reason. The slab rates and the rebate are published by the tax authority itself, and you can check them against the Income Tax Department's slab tables for individual taxpayers before you rely on any calculator, including this one.
Salaried, gross basis, with the ₹75,000 standard deduction applied and no other deduction. Every row was computed by the engine on this page rather than typed from a reference chart, so the table and the tool can never drift apart.
| Annual Gross Salary | Taxable Income | Total Tax | Annual Post-Tax | Monthly Post-Tax | Effective Rate |
|---|---|---|---|---|---|
| ₹6,00,000 | 5,25,000 | 0 | 6,00,000 | 50,000 | 0.00% |
| ₹9,00,000 | 8,25,000 | 0 | 9,00,000 | 75,000 | 0.00% |
| ₹12,75,000 | 12,00,000 | 0 | 12,75,000 | 1,06,250 | 0.00% |
| ₹15,00,000 | 14,25,000 | 97,500 | 14,02,500 | 1,16,875 | 6.50% |
| ₹18,00,000 | 17,25,000 | 1,50,800 | 16,49,200 | 1,37,433 | 8.38% |
| ₹24,00,000 | 23,25,000 | 2,92,500 | 21,07,500 | 1,75,625 | 12.19% |
| ₹30,00,000 | 29,25,000 | 4,75,800 | 25,24,200 | 2,10,350 | 15.86% |
These rows exclude surcharge, which applies above ₹50,00,000 of income and is not computed here. They also exclude provident fund and professional tax, so the monthly column is a ceiling on take-home, not a payslip figure.
Post-tax salary is the correct number for anything where the question is what your income is worth after the state has taken its share, and where employer-specific deductions would only add noise. Comparing two offers in different cities is one: professional tax differs by state, EPF depends on the Basic split, but income tax on the same taxable income is identical everywhere in India, so the post-tax figure is the clean comparison.
It is also the right number when you are deciding whether a raise is worth what it looks like. A raise that pushes you from ₹15,00,000 to ₹18,00,000 gross adds ₹3,00,000 to the offer and ₹2,46,700 to your post-tax salary, because ₹53,300 of the increase goes to the additional tax. Knowing that before you negotiate is more useful than discovering it in April. For the increment itself, the salary increment calculator works out the percentage, and the old versus new tax regime calculator tells you whether the regime you are on is still the cheaper one at the new level.
Where a post-tax figure is the wrong number is monthly budgeting. Your bank credit is net of EPF and professional tax as well, and it moves month to month as your employer spreads TDS across the year. Budget from the monthly salary calculator or your actual payslip, and keep the post-tax figure for annual planning and offer comparison.
The short version, before the detail: this is a slab engine built on published statutory rates, not a reader of your payslip and not a substitute for your Form 16. Where it makes an assumption or stops short, it says so.
Surcharge applies once income crosses ₹50,00,000, at 10% between ₹50,00,000 and ₹1,00,00,000, 15% between ₹1,00,00,000 and ₹2,00,00,000, and 25% above that. The New Regime caps surcharge at 25%, so the 37% band that exists in the Old Regime does not apply here. Surcharge also carries its own marginal relief at each threshold. All of that belongs on the income tax calculator, and this page tells you when your figure has crossed into that territory rather than returning a number it cannot stand behind.
Your employer deducts TDS on a projection of your full-year income, adjusted every month as declarations, perquisites and actual payouts land. It also uses whichever regime you declared, which may not be the New Regime. This calculator computes the correct annual liability under the New Regime on the figure you type. A difference between the two is normal and usually settles at filing. Your Form 16 is the authority on what was actually deducted.
The New Regime has been the default since it was made so, and it is what this page computes. The Old Regime is still electable and still worth checking if you carry large deductions under sections 80C, 80D or a home loan interest claim. That comparison is a different calculation with a different set of inputs, and it lives on the old versus new tax regime calculator.
Slab tax and cess are rounded to whole rupees, and the monthly figure is the annual post-tax salary divided by twelve. Real payroll does not work that way: TDS is uneven across the year, bonuses land in one month, and arrears distort a quarter. Treat the monthly number as an average rather than a prediction of any particular credit.
Slabs, the rebate threshold and the standard deduction are set by the Finance Act and can move at any Budget. This engine is updated when they do, but you should verify the current assessment year before acting on a number, especially close to a Budget. Nothing here is tax advice, and for a decision with real money behind it a chartered accountant is worth the fee.
The people who get the most from this page are the ones holding an annual number and no idea what survives tax. A switcher comparing a Bengaluru offer with a Pune one, where professional tax and the Basic split differ but income tax on the same taxable income does not, so post-tax salary is the only clean comparison. A fresher who has been told their salary is ₹9,00,000 and wants to know whether any tax is due at all, which it is not. Someone who has just crossed the rebate threshold and cannot work out why a small raise produced a tax bill, which marginal relief explains. An HR team sanity-checking what a band actually delivers before it goes into a letter. If your question is what arrives in the bank each month rather than what survives tax for the year, the take-home salary calculator is the honest next stop, and people paid by the hour or by invoice should start at the hourly to salary converter or the freelance income calculator instead, since neither carries a standard deduction. Everything sits in the wider set of salary calculators for India.
Enter your annual gross salary and leave the basis on gross, which is the default. Gross salary is Basic plus HRA plus every other earning, before deductions. Do not enter CTC: it also carries employer provident fund and the gratuity provision, which never reach your payslip and are not taxed as your salary. If you already know your taxable income from a Form 16, switch the basis to taxable and the tool uses it untouched. To turn a CTC into a gross figure first, use the salary breakup calculator.
Yes. The engine runs the New Regime slabs for FY 2026-27, which is assessment year 2027-28: nil up to ₹4,00,000, then 5%, 10%, 15%, 20% and 25% in ₹4,00,000 steps, and 30% above ₹24,00,000. The Finance Act 2025 set those rates and Budget 2026 carried them forward unchanged, so the standard deduction stays at ₹75,000 and the Section 87A rebate still removes all tax up to ₹12,00,000 of taxable income.
It runs four steps in order. First it turns your salary into taxable income by subtracting the ₹75,000 standard deduction and any other deduction you enter, unless you told it the figure was already taxable. Second it walks that income through all seven slabs and adds the tax from each. Third it applies the Section 87A rebate, with marginal relief where taxable income sits just above ₹12,00,000. Fourth it adds 4% Health and Education Cess to whatever tax survives.
The standard deduction of ₹75,000 for salaried taxpayers is applied automatically on the gross basis, so you do not subtract it yourself. The only other field is for employer contributions to the National Pension System under Section 80CCD(2), which the New Regime still allows. Nothing else is subtracted, because the New Regime removed most deductions: no 80C, no house rent allowance exemption, no 80D. On the taxable basis the tool subtracts nothing and uses your figure as it stands.
On neither, strictly. Income tax is calculated on taxable income, which is gross salary minus the deductions the tax system allows, and net salary is what is left after tax has already been taken out. So the order runs gross, then taxable, then tax, then net. Using net salary as the tax base double counts the tax and understates what you owe. This calculator makes the sequence visible by showing the taxable income row before the slab table.
Because the Section 87A rebate cancels it. At ₹12,00,000 of taxable income the slab walk produces exactly ₹60,000 of tax, and the rebate under the New Regime removes tax entirely up to that income, capped at ₹60,000. With no tax left, there is nothing for the 4% cess to apply to either, so the total is genuinely zero. For a salaried person the ₹75,000 standard deduction pushes the equivalent gross salary threshold up to ₹12,75,000.
Close, but not identical, and the difference trips people up. Net salary is gross salary after all deductions have been applied, which is the same idea as in-hand salary. Post-tax salary, which is what this page computes, subtracts income tax only. Your own provident fund contribution and state professional tax still come out after that. For the figure that reaches your bank, use the in-hand salary calculator or the take-home salary calculator.
Divide your annual post-tax salary by twelve, which the calculator does for you and shows beside the annual figure. On ₹18,00,000 of gross salary that is ₹1,37,433 a month before provident fund and professional tax. Real payroll is uneven, because employers spread tax deducted at source across the year and bonuses land in single months, so treat it as an average. For the monthly view built from the other direction, use the monthly salary calculator.
It is total tax payable, after the rebate and including cess, divided by the salary figure you entered, expressed as a percentage. Because the slabs are progressive, it is always lower than the highest rate you touch. On ₹18,00,000 of gross salary the top slab reached is 20% but the effective rate is 8.38%, because only ₹1,25,000 is taxed at 20% and the first ₹4,00,000 of taxable income is taxed at nothing at all.
No, and it says so when your figure crosses the line. Surcharge starts above ₹50,00,000 of income, at 10% up to ₹1,00,00,000, 15% up to ₹2,00,00,000 and 25% above that, with the New Regime capping it at 25%. It carries its own marginal relief at each threshold, which is a separate calculation. If your income is above ₹50,00,000, use the income tax calculator instead, which computes surcharge in full.
Put gross salary in A1, then compute taxable income as =MAX(0,A1-75000). Build the slab tax with nested MAX terms, one per band, such as =0.05*MAX(0,MIN(B1,800000)-400000) added to the equivalent term for each higher slab. Apply the rebate with =IF(B1<=1200000,0,slabtax) and add cess with *1.04. It is fiddly and easy to get wrong at the rebate boundary, which is the honest argument for using this page instead.
One annual figure in, the full slab walk out, with the rebate, the cess and your annual and monthly net salary. Free, private, and nothing you type is stored.
💸 Calculate My Post-Tax SalaryNeed the figure after provident fund and professional tax as well? Continue to the take-home salary calculator, check the tax layer in full on the income tax calculator, or browse all of the salary calculators for India.