Reverse Salary Tax Calculator

1. Enter your target take-home

   Type the net (in-hand) pay you want, and choose monthly or annual.

2. We solve backwards

   We search for the gross salary whose income tax leaves exactly your target take-home.

3. See the required gross

   The gross figure is shown per month and per year — the number to negotiate.

4. Check the tax

   Review the income tax and effective rate baked into that gross salary.

Offers are made in gross. Household budgets run on net. This bridges the two, which is exactly the number you want before a salary conversation rather than after accepting one.

Because the slabs are progressive, the relationship is not proportional. Raising your target take-home by ten percent does not raise the gross you need by ten percent — the extra sits in your top band and costs more.

Gross is not the same as cost to company

Employers frequently quote a package that folds in provident fund, EOBI, medical cover, fuel and bonuses. Only part of it is the taxable salary this works on, and some components are taxed differently again. Comparing one employer's CTC against another's basic salary is comparing two unlike figures.

The payslip will not match exactly

This works out income tax. Your actual net also reflects provident fund contributions, EOBI, any loan recovery and whatever else your employer deducts. Expect the real figure to be lower than the one here, and ask for a full deduction breakdown before treating an offer as settled.

The net salary and payslip calculator works forward from gross with those deductions included.

Where this stops

It uses the salaried slabs and does not apply tax credits or deductible allowances, which can raise your actual take-home above what this shows.