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Salary Calculator — Monthly Take-Home Pay
Enter your basic salary, allowances, and deductions to see your exact net monthly and yearly income. Works for Bangladesh and global use. No account needed — numbers update as you type.
Results are estimates for planning. Actual payroll deductions depend on your employer's policy, NBR rules, and provident fund scheme. Last reviewed: May 2026.
Step By Step
How to Use This Calculator
5 steps
- Enter your base monthly salary in the currency of your choice.
- Add fixed allowances — house rent, medical, transport, or any other regular additions.
- Enter income tax as a percentage (e.g. 10%) or a fixed monthly amount.
- Add other deductions: provident fund, loan EMI, insurance, or salary advance.
- Your gross income, total deductions, net monthly, and net yearly figures update instantly.
Worked Example
Example: Mid-level employee, Dhaka
Use this sample to sanity-check your inputs and understand what the final result represents.
- 1Basic salary: BDT 50,000
- 2House rent allowance: BDT 20,000 · Medical: BDT 5,000 · Transport: BDT 2,500
- 3Gross income: BDT 77,500
- 4Income tax (approx. 10%): BDT 7,750 · PF (10% of basic): BDT 5,000
Final Result
Estimated net monthly take-home: BDT 64,750 (BDT 7,77,000/year).
Methodology
Formula Used
This section explains the calculation logic, assumptions, and source material used to make the result more trustworthy and easier to verify.
Gross income = basic salary + all allowances and bonuses. Net salary = gross income − income tax − provident fund − other deductions. Tax entry: values of 100 or below are treated as a percentage of gross income; values above 100 are treated as a fixed monthly amount. Yearly net = monthly net × 12.
Practical Guidance
Salary Planning Tips
- 1Your net (take-home) salary is what matters for budgeting — always calculate it, not gross
- 2In Bangladesh, house rent allowance up to 50% of basic (max BDT 25,000/month) is tax-exempt — verify your employer applies this correctly
- 3Provident fund (PF) contributions are typically 10% of basic from both employee and employer — the employer share is an additional benefit, not a deduction from your pay
- 4Medical allowance up to 10% of basic salary (max BDT 10,000/month) is tax-exempt under NBR rules
- 5Transport allowance up to BDT 30,000/year (BDT 2,500/month) is tax-exempt
- 6Save at least 20% of your net income — treat it as a fixed deduction, not what's left over
Frequently Asked Questions
What is the difference between gross salary and net salary?+
Gross salary is your total pay before any deductions — basic salary plus all allowances and bonuses. Net salary (take-home pay) is what actually reaches your bank account after income tax, provident fund, and any other deductions are subtracted. Most salary negotiations in Bangladesh are quoted in gross terms.
How is income tax deducted from salary in Bangladesh?+
Employers deduct income tax monthly (called TDS — Tax Deducted at Source, or AIT — Advance Income Tax) based on projected annual taxable income. The monthly deduction is roughly your estimated annual tax liability divided by 12. Your actual liability is calculated when you file your return by 30 November each year, and any excess AIT is refundable.
What is provident fund (PF) and how much is deducted?+
Provident fund is a mandatory or voluntary retirement savings scheme. In Bangladesh, most formal employers deduct 10% of basic salary from the employee, matched by a 10% contribution from the employer. The employee share reduces take-home pay; the employer share is an additional benefit. PF withdrawals are tax-exempt up to certain limits.
Which allowances are tax-exempt in Bangladesh?+
Under NBR rules for 2025-26: House Rent Allowance is exempt up to 50% of basic salary or BDT 25,000/month, whichever is lower. Medical Allowance is exempt up to 10% of basic or BDT 10,000/month. Transport Allowance is exempt up to BDT 30,000 per year. Amounts above these limits are taxable.
What is a realistic salary breakdown for a BDT 50,000 basic salary in Dhaka?+
A typical formal-sector package on BDT 50,000 basic: HRA BDT 20,000, medical BDT 5,000, transport BDT 2,500 = gross BDT 77,500. Deductions: income tax approx. BDT 3,000–6,000/month (depending on investments), PF BDT 5,000. Net take-home: approximately BDT 66,500–69,500/month. Two festival bonuses add roughly BDT 1,00,000/year on top.
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