What is this calculator?
This calculator subtracts itemised deductions from a gross salary and presents the result in both monthly and annual terms. It is deliberately country-neutral: you supply every deduction, so it works for any payslip structure.
Use it when:
- You want to reconcile a payslip and see where the gap between gross and net comes from.
- You are comparing two offers whose deduction structures differ.
- You need the annual equivalent of a monthly figure, or the reverse.
Intended for: Employees checking take-home pay and candidates comparing salary offers.
How is this calculated?
- The deductions you supply are summed into one total.
- Net salary is gross salary minus that total, for the period you selected.
- The result is then normalised into both views: a monthly figure is multiplied by 12 to give the annual equivalent, and an annual figure is divided by 12 to give the monthly.
- No deduction is inferred or added — the calculator subtracts exactly what you enter and nothing else.
Formulas
Net salary
Net = Gross − Σ deductions
Take-home pay for the period entered.
Period normalisation
Annual = Monthly × 12
Both views are shown so a monthly and an annual offer can be compared directly.
Example
A monthly gross salary of 80,000 with deductions of 6,000 for a provident fund and 9,000 for tax.
- Total deductions: 6,000 + 9,000 = 15,000.
- Monthly net: 80,000 − 15,000 = 65,000.
- Annual net: 65,000 × 12 = 780,000.
Result: Net salary 65,000 per month, 780,000 per year, from a gross of 960,000 per year.
Frequently asked questions
Why do I have to enter the deductions myself?
Because payroll rules differ by country, employer, and individual circumstance. A calculator that guessed them would be confidently wrong for most users; entering them makes the result exact for you.
Does this calculate my income tax?
No. Tax is one of the deductions you enter. If you need to work out the tax itself from slab rates, use the income tax calculator and bring the result back here.
Should I include employer contributions?
Only if they are deducted from your gross. Employer-side contributions that sit on top of your salary are not part of gross pay and should not be entered as deductions.
Assumptions
What this calculator takes as given:
- The gross figure and every deduction relate to the same period (both monthly or both annual).
- Deductions are fixed amounts, not percentages recalculated from the gross.
- Twelve equal pay periods make up a year.
Limitations
What this calculator cannot know or does not model:
- It knows no country's payroll or tax rules and applies no statutory deduction automatically.
- Variable pay, bonuses, arrears, and mid-year revisions are not modelled.
- Deductions that scale with income (for example percentage-based contributions with a ceiling) must be computed separately and entered as amounts.