Salary Calculator: Gross to Net Pay

On a ৳60,000 monthly salary (basic ৳36,000, two festival bonuses a year), yearly income tax is about ৳12,800, monthly tax at source about ৳1,067, and take-home about ৳58,933. Enter your own salary below.

Enter salary as
৳

= 60 thousand taka

৳

= 36 thousand taka

Festival bonus and provident fund are based on basic

(each = one month’s basic)
More details (optional)
% of basic
৳

DPS, savings certificates, life insurance etc. — 0 if none

Monthly take-home

৳58,933

From a monthly gross of ৳60,000

Monthly tax at source (estimate)
৳1,067
Yearly salary (with bonuses)
৳7,92,000
Tax-free part
৳2,64,000
Taxable income
৳5,28,000
Yearly income tax
৳12,800
Extra in a bonus month
৳36,000

On a ৳60,000 monthly salary, about ৳1,067 tax is deducted, leaving ৳58,933 in hand. Yearly income tax: ৳12,800.

This is an estimate. Employers spread the year’s tax over the months; a mid-year raise or investment proof changes the monthly deduction. The employer’s provident fund share, car or housing benefits etc. are not included.

How this was calculated
  1. Yearly salary = monthly ৳60,000 × 12 + bonuses ৳72,000 = ৳7,92,000
  2. Tax-free part = ⅓ of yearly salary or ৳5 lakh, whichever is lower = ৳2,64,000
  3. Taxable income = ৳5,28,000
  4. Slab tax ৳12,800 − investment rebate ৳0 = ৳12,800 (with minimum tax)
  5. Monthly tax at source ≈ ৳12,800 ÷ 12 = ৳1,067
  6. Take-home = ৳60,000 − tax ৳1,067 − provident fund ৳0 = ৳58,933

Monthly and yearly breakdown

ItemMonthlyYearly
Gross salary৳60,000৳7,20,000
Festival bonus—৳72,000
Income tax (TDS)− ৳1,067− ৳12,800
Take-home৳58,933৳7,79,200

How to use

  1. Enter your monthly gross salary, or choose “Breakdown” and enter basic, house rent, medical and conveyance separately.
  2. Enter your basic salary. Festival bonuses and provident fund are based on it.
  3. Enter how many festival bonuses you get a year (usually 2).
  4. Optionally open “More details” to add your provident fund share, other investments and taxpayer category.
  5. See your take-home, monthly tax deduction and yearly income tax instantly.

How it is calculated

  1. Yearly salary = monthly gross × 12 + festival bonuses (each one month’s basic).
  2. Tax-free part = one-third of yearly salary or ৳5 lakh, whichever is lower.
  3. Taxable income = yearly salary − tax-free part.
  4. Income tax = slab tax on income above the tax-free limit − investment rebate (minimum ৳5,000).
  5. Monthly tax at source ≈ yearly tax ÷ 12. Take-home = monthly gross − monthly tax − provident fund.

Tax slabs (income year 2026-27)

Taxable income Rate
First ৳4,00,000 (general taxpayer) 0%
Next ৳3,00,000 10%
Next ৳4,00,000 15%
Next ৳5,00,000 20%
Next ৳20,00,000 25%
Rest 30%

Example

Monthly salary ৳60,000, basic ৳36,000, two festival bonuses a year:

  • Yearly salary ৳7,92,000; tax-free part ৳2,64,000; taxable income ৳5,28,000.
  • 10% on the ৳1,28,000 above ৳4 lakh = ৳12,800 income tax a year.
  • Monthly tax at source about ৳1,067; take-home about ৳58,933.
More: returns and tax at source

The tax your employer deducts each month is deposited in your name. When you file your return, it is set off against your final tax; any excess is refunded or adjusted, and any shortfall is paid. For the full yearly picture, investment rebate and filing-time rebate, use the income tax calculator.

Frequently asked questions

How much tax is deducted from my salary?

Your yearly salary (with allowances and bonuses) minus the tax-free part gives taxable income. Slab tax applies to that, less the investment rebate. Your employer divides this yearly tax into 12 and deducts it every month as tax at source.

How much of my salary is tax-free?

Under the Finance Act 2026, one-third of salary income or ৳5 lakh, whichever is lower, is tax-free. House rent, medical and conveyance allowances are not separately exempt; this single limit covers them all.

At what salary do I start paying income tax?

The general tax-free limit is ৳4 lakh of taxable income a year. Since one-third of salary is exempt, a yearly salary up to about ৳6 lakh usually pays no tax, roughly ৳50,000 a month (a little less once bonuses are counted). The limit is ৳4.5 lakh for women and people aged 65+.

Does my provident fund contribution reduce tax?

Your contribution to a recognised provident fund is a rebate-eligible investment. Tax falls by the lowest of 10% of the investment, 3% of taxable income or ৳7.5 lakh. This calculator counts your PF share as investment automatically.

What is the minimum tax?

Once taxable income crosses the tax-free limit you pay at least ৳5,000, wherever you live. First-time filers pay a minimum of ৳1,000.

Will this match my payslip exactly?

It will be close. Employers adjust the deduction after a mid-year raise, investment proof or in a bonus month. The employer’s PF share and car or housing benefits are not included here.

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