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How it works
Subtracts mandatory and voluntary deductions from Gross Salary to find net pay.
The formula
Net Pay = Gross - (PF + PT + Other Deductions)- CTC
- Cost to Company
- PF
- Provident Fund
Worked example
Breaking down ₹12 LPA CTC into monthly components.
Pro tips
- Check component structure for tax optimization.
- HRA can significantly reduce tax.
Common mistakes
- Ignoring professional tax and voluntary deductions.
Go deeper
Concepts to explore
Understanding Salary Slips
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.