Salary Tax Calculator — Monthly Deduction & Take-Home
The question the annual slab table never quite answers is the one everyone actually asks: what lands in my account each month? This tool annualises your gross monthly salary, runs it through the FY 2025–26 slabs, and divides back to the monthly deduction and take-home — the figure to hold against your salary slip’s tax line.
How much tax does a Rs. 100,000 monthly salary pay in 2026?
Annualised to Rs. 1.2 million, the tax is Rs. 6,000 for the whole year — Rs. 500 a month, leaving take-home at Rs. 99,500. The slab structure keeps six-figure-monthly salaries lightly taxed; the curve steepens meaningfully past Rs. 180,000 a month.
Why does my employer’s deduction differ from this tool’s figure?
Employers withhold against projected annual income, so mid-year raises, bonuses, leave encashment, and taxable perquisites all reshape the monthly figure. A clean match needs a flat salary with no benefits; any variation shows up as catch-up or spread adjustments in later months.
Is the deduction on gross salary or after provident fund?
Tax computes on taxable salary, which excludes the exempt portion of recognised provident fund contributions and certain allowances within limits. Enter your slip’s taxable-salary line for precision; entering raw gross slightly overstates tax for most formal-sector employees.
Salary Tax Calculator
From gross to take-home: what the tool does
The computation annualises your monthly gross, applies the salaried slab table, adds the surcharge where annual income crosses Rs. 10 million, and divides by twelve. That mirrors how employer payroll software projects withholding for a stable salary — which is why a flat-salaried employee’s slip should match this tool within rupees, and any persistent gap is a question for HR with both numbers in hand. The effective monthly burden, not the marginal slab, is what budgeting should anchor on.
The salary bands where the curve bites
Below Rs. 100,000 monthly, tax is nearly invisible. The Rs. 100,000–185,000 band climbs gently through the 11 percent slab. The real inflection sits around Rs. 185,000–270,000 monthly, where the 23 percent marginal slab makes each raise feel lighter than its gross suggests, and again past Rs. 270,000 where 30 percent marginal territory begins. Knowing which band you occupy turns increment letters into accurate take-home expectations before HR confirms them.
Negotiating structure, not just amount
Two offers at identical gross can differ at the bank: one structured with the medical-allowance exemption used fully and provident fund matched, the other paying flat gross. The structured offer’s taxable base runs lower, and the difference compounds at upper slabs. When negotiating, ask for the taxable-salary breakdown rather than only the CTC headline, run both through this tool, and compare landing amounts — five minutes that occasionally outvalues the entire negotiation’s headline movement.
More questions answered
No special rate exists: a bonus is salary that lands in one month, raising the annual projection and the withholding on the bonus month accordingly. The "bonus tax" people complain about is just the marginal slab rate applied to a lump — the annual liability is identical to the same money spread monthly.
Each employer withholds as if theirs is your only income, which collectively under-withholds against your true combined slab position. The shortfall surfaces at return filing as tax payable. Declaring the second income to your principal employer for combined withholding avoids the September surprise.
Medical allowance up to 10 percent of basic salary remains exempt where no free medical treatment is provided by the employer — one of the few easy exemptions left. Structured salaries that label a slice as medical allowance within the limit shave the taxable base legitimately.
Three lines: taxable salary (the base everything computes from), tax deducted this month, and cumulative tax for the year. The cumulative line against this tool’s annual figure, prorated by months elapsed, catches both over- and under-withholding while the year can still absorb the correction.
Yes, through the return: excess withholding becomes a refund claim on IRIS. Refunds materialise slowly but they do materialise, and the claim requires filing — one more reason salaried individuals near slab boundaries should file even when not strictly obliged.