SALARY CALCULATOR
The number between CTC and take-home.
Gross salary is what your structure adds up to before anything is deducted. It is the figure most payroll calculations start from, and the one most people never see stated directly.
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Fields are pre-filled with typical values — type your own or drag the sliders, and everything recalculates instantly. Nothing is sent to a server.
House rent allowance is conventionally 50% of basic in metro cities and 40% elsewhere.
Calculated on FY 2025-26 statutory rates. Indicative only — confirm against current notifications before filing.
Monthly gross salary
₹81,383
Annual gross
₹9,76,600
Employer contributions
₹1,950
Monthly CTC
₹83,333
Gross salary is CTC minus employer-side contributions
Full breakdown
Step-by-step calculation
HOW IT WORKS
The formula used
Gross salary is CTC less the employer-side contributions that never form part of your salary structure.
Annual CTC ÷ 12Employer PF + administration charges + EDLIMonthly CTC − employer contributionsBasic + HRA + special allowance = grossUNDERSTANDING IT
About the gross salary calculator
Gross salary is the sum of every component your employer has agreed to pay you directly. It includes basic salary, house rent allowance, special allowance and any other fixed allowances in your structure. It excludes anything paid on your behalf into a fund rather than to you.
This distinction matters because most statutory calculations are anchored to either gross or basic, not to CTC. Employee state insurance eligibility is assessed on gross wages. Provident fund is calculated on basic wages. House rent allowance exemption is computed against basic and rent paid.
Understanding gross is therefore the key to predicting almost every other number on a payslip.
Worked example
Take an annual CTC of ₹10,00,000 in a metro city.
Monthly CTC is ₹83,333. Basic at 40% is ₹33,333 and HRA at 50% of basic is ₹16,667. Employer provident fund is computed on the ceiling wage rather than full basic, so employer contributions total roughly ₹1,950 a month. Gross salary is therefore about ₹81,383, with special allowance absorbing whatever is left after basic and HRA.
WHY IT HELPS
What this calculator is good for
Anchor every other calculation
ESI eligibility, HRA exemption and most allowance rules are assessed against gross or basic.
Check your structure is sensible
A basic that is unusually low understates provident fund and gratuity, which matters over time.
Explain the payslip
Every earnings line on a payslip adds up to gross. Knowing gross makes the payslip readable.
WATCH OUT
Common mistakes
These are the errors that most often produce a wrong number.
Confusing gross salary with CTC — gross excludes employer contributions.
Confusing gross salary with net salary — gross is before deductions, net is after.
Assuming basic is always 40% of CTC. It is a convention, not a legal requirement, and varies by employer.
Using gross rather than basic when computing provident fund.
HR TIPS
Practical guidance
Watch the ESI threshold
A small increase in gross can push an employee past the ESI wage limit, changing both deductions and benefits.
Keep basic realistic
Setting basic very low to reduce provident fund cost can create compliance exposure and weakens gratuity.
State allowances explicitly
A structure where special allowance dominates is harder to defend than one with named, purposeful components.
QUESTIONS
Gross Salary Calculator — frequently asked
Gross salary is the total of all earnings components before deductions. Net salary, also called in-hand or take-home, is what remains after provident fund, professional tax, ESI and income tax have been deducted.
No. CTC includes employer-side contributions such as employer provident fund, administration charges and insurance premiums, which are a cost to the employer but not part of your salary. Gross salary excludes them.
Indian employers commonly set basic between 40% and 50% of CTC. There is no single statutory percentage, but an unusually low basic understates provident fund and gratuity and can attract scrutiny.
Fixed monthly components form gross salary. Annual bonus and variable pay are usually accounted separately, since they are paid periodically rather than every month.
Results are indicative and computed on FY 2025-26statutory rates using conventional salary-structure assumptions. Your actual figures depend on your employer’s structure, your state and your declarations. Confirm against current notifications before relying on these numbers for filing.
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