Salary Calculator
Calculate your exact take-home pay — supports India, US, UK and global estimates. Instant, accurate, free.
📅 Salary and tax data accurate for 2026
Salary, tax rules, and take-home calculations are tailored to the selected country.
Note: Salary structure varies by company. Adjust Basic %, PF method and TDS above to match your actual offer letter for accurate results.
Salary Calculator for IT Professionals in India
In India, the difference between your CTC (Cost to Company) and your actual in-hand take-home salary can be 20% to 35%. This gap exists because your CTC includes employer contributions like EPF, gratuity, and insurance that never reach your bank account. Understanding this breakdown is essential before accepting any job offer.
Key Deductions on Your Indian Salary
- Employee Provident Fund (EPF): 12% of basic salary deducted monthly toward your retirement corpus.
- Professional Tax: State-level tax of Rs 150–200 per month depending on your state.
- Income Tax (TDS): Deducted monthly based on your annual income under the old or new tax regime.
- Health Insurance: Group cover premium may be partially deducted from your salary.
- HRA Exemption: If renting, House Rent Allowance under Section 10(13A) reduces taxable income.
India Income Tax Slabs FY 2025-26 (New Regime)
Income up to Rs 3 lakh: Nil. Rs 3–7 lakh: 5%. Rs 7–10 lakh: 10%. Rs 10–12 lakh: 15%. Rs 12–15 lakh: 20%. Above Rs 15 lakh: 30%. Standard deduction of Rs 75,000 applies. Under the Old Regime, deductions under Section 80C (up to Rs 1.5 lakh), 80D, HRA, and LTA can significantly reduce your tax liability.
Last reviewed: June 2026. India figures use FY 2025-26 income tax slabs with current EPF and professional tax rates.
Frequently Asked Questions — India
What is the difference between CTC, gross salary, and net salary?
CTC is total employer spend including EPF and gratuity. Gross salary is earnings before employee deductions. Net (in-hand) salary is your monthly bank credit after EPF, professional tax, and TDS.
Which tax regime is better for IT professionals?
New regime suits those with CTC below Rs 7 lakh or minimal investments. Old regime benefits those investing heavily under 80C, paying high rent, or with home loan deductions.
How accurate is this salary calculator?
We use FY 2025-26 tax slabs, 12% EPF rates, and state-wise professional tax rates for a highly accurate estimate. For complex situations, consult a Chartered Accountant.
Salary Calculator for IT Professionals in the United States
In the United States, your gross salary and your net take-home pay differ significantly due to federal taxes, state taxes, and payroll deductions. IT professionals in tech hubs like San Francisco, New York, Seattle, and Austin must understand these deductions to evaluate compensation packages accurately.
Key Deductions on Your US Salary
- Federal Income Tax: Ranges from 10% to 37% depending on your taxable income bracket. Most IT professionals fall in the 22%–32% bracket.
- FICA — Social Security: 6.2% of gross wages up to the annual wage base ($168,600 in 2024).
- FICA — Medicare: 1.45% of all wages, plus an additional 0.9% for income above $200,000.
- State Income Tax: Varies by state. California tops at 13.3%, Texas and Florida have no state income tax.
- 401(k) Contributions: Pre-tax retirement contributions (up to $23,000 in 2024) reduce your taxable income significantly.
- Health Insurance Premium: Employer-sponsored plan premiums are typically deducted pre-tax from your paycheck.
US Federal Income Tax Brackets 2024
For single filers: 10% up to $11,600. 12% from $11,601–$47,150. 22% from $47,151–$100,525. 24% from $100,526–$191,950. 32% from $191,951–$243,725. 35% from $243,726–$609,350. 37% above $609,350. Most IT professionals earning $80,000–$150,000 fall in the 22% bracket.
Frequently Asked Questions — United States
What is the difference between gross pay and net pay in the US?
Gross pay is your total salary before any deductions. Net pay is what lands in your bank account after federal tax, state tax, Social Security, Medicare, 401(k), and health insurance premiums are deducted.
How much of my US salary goes to taxes?
For a typical IT professional earning $100,000 in California, expect roughly 28–35% total deductions including federal tax (~22%), state tax (~9%), and FICA (~7.65%). Your take-home would be approximately $65,000–$72,000 annually.
Should I maximise my 401(k) contributions?
Yes — 401(k) contributions reduce your taxable income dollar for dollar. Contributing the 2024 maximum of $23,000 can save $5,000–$8,000 in federal taxes annually depending on your bracket. Many employers also match contributions, making it essentially free money.
Salary Calculator for IT Professionals in the United Kingdom
In the United Kingdom, your gross salary and net take-home pay differ due to Income Tax (PAYE), National Insurance contributions, and pension auto-enrolment deductions. IT professionals in London, Manchester, Edinburgh, and Birmingham should understand their full pay breakdown before evaluating job offers.
Key Deductions on Your UK Salary
- Income Tax (PAYE): The personal allowance is £12,570. Basic rate 20% applies on earnings £12,571–£50,270. Higher rate 40% on £50,271–£125,140. Additional rate 45% above £125,140.
- National Insurance (NI): Employee NI is 8% on earnings between £12,570–£50,270, and 2% above £50,270.
- Pension Auto-Enrolment: Minimum 5% employee contribution on qualifying earnings (£6,240–£50,270) under workplace pension schemes.
- Student Loan Repayments: Plan 2 repayments are 9% of income above £27,295 per year.
UK Income Tax Bands 2024-25
Personal Allowance (0%): up to £12,570. Basic rate (20%): £12,571–£50,270. Higher rate (40%): £50,271–£125,140. Additional rate (45%): over £125,140. A typical UK IT professional earning £50,000 can expect a net take-home of approximately £37,000–£38,500 after tax and NI.
Frequently Asked Questions — United Kingdom
What is the difference between gross and net salary in the UK?
Gross salary is your total pay before any deductions. Net salary is what is paid into your bank after Income Tax via PAYE, National Insurance, and pension contributions are deducted by your employer.
How does salary sacrifice work in the UK?
Salary sacrifice lets you exchange part of your gross salary for non-cash benefits like pension contributions, cycle-to-work schemes, or childcare vouchers. This reduces your taxable income and National Insurance contributions, effectively increasing your net pay.
Does working in London affect my take-home pay?
London salaries are typically higher than the rest of the UK, but tax rates are the same nationwide. However, London Weighting allowances are often included in packages, and many employers offer additional benefits. Higher salaries may push you into the 40% higher rate tax band.
Salary Calculator for IT Professionals in the UAE
The United Arab Emirates is one of the most financially attractive destinations for IT professionals worldwide, primarily because the UAE has zero personal income tax. Your gross salary and net take-home pay are almost identical, making salary negotiation straightforward. However, understanding allowances, gratuity, and GOSI contributions is still essential.
Key Components of a UAE Salary Package
- No Income Tax: The UAE does not levy personal income tax on salaries. 100% of your gross salary is yours to keep, minus any specific deductions.
- End of Service Gratuity: UAE Labour Law entitles employees to 21 days of basic salary per year for the first 5 years of service, and 30 days per year thereafter. This is paid upon leaving employment.
- Housing Allowance: Most UAE employers provide a housing allowance (typically 20–25% of basic salary) as part of the total package. In Dubai and Abu Dhabi, this is essential given high rental costs.
- Transport Allowance: A fixed monthly transport allowance (AED 500–2,000) is standard in most packages.
- GOSI (for GCC Nationals): GCC nationals working in the UAE contribute to GOSI social insurance at 5% of salary. Expatriates are exempt.
- Annual Flight Ticket: Many UAE employers include one annual return flight ticket to your home country as a benefit.
UAE Salary Structure — What to Negotiate
In the UAE, your total package matters more than the basic salary figure. A basic salary of AED 15,000 with housing, transport, and medical allowances is worth significantly more than AED 18,000 basic with no allowances. Always calculate the Total Remuneration Package (TRP) before comparing offers. IT professionals in Dubai and Abu Dhabi typically earn AED 12,000–40,000 per month depending on specialisation and experience level.
Frequently Asked Questions — UAE
Do I pay any tax on my salary in the UAE?
No. The UAE has no personal income tax for residents. Your entire gross salary is your take-home pay, subject only to any voluntary deductions like savings plans or GOSI contributions for GCC nationals.
What is end of service gratuity and how is it calculated?
Gratuity is a mandatory end-of-service benefit under UAE Labour Law. For the first 5 years: 21 days of basic salary per year worked. After 5 years: 30 days per year. It is paid when you resign or are made redundant, but forfeited if terminated for cause.
How does UAE salary compare to India or UK for IT professionals?
UAE salaries for IT professionals are typically 2–3x higher than equivalent Indian roles in absolute terms, and often comparable to mid-level UK salaries. With zero income tax and strong allowances, the financial advantage is significant — though cost of living, especially housing in Dubai, must be factored in.
Global Salary Calculator — Understanding Your Take-Home Pay
Regardless of which country you work in, the gap between your gross salary and your net take-home pay is one of the most important numbers to understand in your career. Across all countries, your employer may quote a total compensation figure that includes contributions, benefits, and deductions that never reach your bank account.
Universal Salary Deductions Across Countries
- Income Tax: Almost every country taxes employment income. Rates vary from 0% in the UAE to over 50% in some Nordic countries. Understanding your marginal tax rate helps you plan investments and negotiate salary effectively.
- Social Security / Pension Contributions: Most countries require employees to contribute to a national retirement or social security fund — EPF in India, 401(k) in the US, National Insurance in the UK, GOSI in the Gulf.
- Health Insurance: In countries without universal healthcare (like the US), employer-provided health insurance premiums are a significant paycheck deduction.
- Mandatory Savings: Some countries mandate additional retirement or housing savings contributions beyond basic social security.
How to Compare Salary Offers Across Countries
When evaluating an international job offer, always calculate your post-tax, post-deduction net salary in your local currency. A $120,000 offer in San Francisco, £75,000 in London, Rs 40 LPA in Bengaluru, and AED 20,000 monthly in Dubai all feel different when you account for local taxes, cost of living, and purchasing power. Our salary calculator helps you make this comparison accurately and instantly.
Frequently Asked Questions — Global
Which country has the highest IT salaries after tax?
The United States offers the highest absolute IT salaries globally, particularly in Silicon Valley, New York, and Seattle. However, after federal and state taxes, high cost of living, and healthcare costs, the effective purchasing power can be similar to or lower than some European countries. The UAE offers unique advantages with zero income tax, making gross and net salaries essentially equal.
How do I convert a salary offer between countries?
Use the current exchange rate to convert the gross figure, then apply the destination country tax rates and deductions to find net take-home. Also factor in cost of living differences — a tool like Numbeo’s cost of living index helps benchmark housing, food, and transport costs across cities worldwide.
What is total compensation vs base salary?
Base salary is your fixed monthly or annual pay. Total compensation includes base salary plus bonuses, equity (stock options or RSUs), employer pension contributions, health insurance value, housing and transport allowances, and other benefits. For IT roles especially, equity compensation at growth-stage companies can dwarf the base salary over time.