Calculate in-hand

Why Did My Salary Change?

Enter two payslips side by side. See exactly which line moved your in-hand, and why. Private, instant.

Earnings
Last monthThis month
Gross—
Deductions
Last monthThis month
Total deductions—
Attendance (optional)
Last monthThis month

Loss-of-pay days shown on each payslip, if any.

Enter last month's and this month's payslip

Fill only the lines on your payslip. We'll show what moved your take-home and why.

Why your salary changes from month to month

Your in-hand pay is gross earnings minus deductions, and almost every line on an Indian payslip can move. This tool lines up two payslips, works out the change in each line, and ranks them by how much they moved your take-home, with a plain-English reason for each.

Earnings change with a hike (usually basic, HRA and special allowance together), with loss-of-pay days (every line shrinks in proportion), and with one-off items such as a bonus, incentive or arrears from a late hike. Deductions change too. Employee PF is 12% of basic + DA, so it follows your basic; if your employer uses the statutory wage ceiling, the cap rose from ₹15,000 to ₹25,000 from 17 September 2026, which lifts the deduction from ₹1,800 to ₹3,000 a month. Professional tax depends on your state, and Maharashtra deducts ₹300 instead of ₹200 in February.

TDS is the line that surprises people most. Your employer re-estimates your tax for the whole year every month and divides what is still due by the months left, so a bonus, arrears, a regime switch or missing investment proofs can push one month's TDS sharply up. A rise in TDS after a hike is normal: it's tax on the extra income, not a mistake.

Everything you type stays in your browser. If a change still looks wrong after this, ask your HR or payroll team for the working, quoting the line and the amount.

Frequently Asked Questions

Why is my salary less this month?
The usual reasons are: loss of pay (LOP) days, a higher TDS deduction after you changed your investment declaration or got a one-off payment, a higher PF deduction, professional tax (some states, such as Maharashtra, deduct ₹300 instead of ₹200 in February), or a recovery such as a loan, notice-period or insurance deduction. Enter last month's and this month's payslip in the calculator and it shows which line caused the drop.
Why did my TDS go up this month?
Employers recompute your annual tax every month and spread what is left over the remaining months. TDS jumps when your projected income rises (a hike, arrears, bonus or incentive), when you switch tax regime, when investment proofs you declared are not submitted (usually from January), or near the end of the year when the employer catches up on any shortfall.
Why did my PF deduction increase?
Employee PF is 12% of basic + DA. It rises when your basic rises. If your employer calculates PF on the statutory wage ceiling, the cap went from ₹15,000 to ₹25,000 from 17 September 2026, so PF on a capped salary rises from ₹1,800 to ₹3,000 a month. That money still goes to your EPF account; your take-home falls but your savings rise.
What does LOP mean on a payslip?
LOP is loss of pay: days you were absent without paid leave. Most employers deduct (monthly gross ÷ days in the month, or ÷ 30) for each LOP day, so every earning line shrinks in proportion. If you see LOP you did not expect, check your attendance and leave balance with HR.
Why are there arrears on my payslip?
Arrears are back pay: usually a hike that was approved late and applied from an earlier month. They raise your gross for that one month, which also raises that month's TDS, so the extra in-hand is smaller than the arrears amount.
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