Net Salary Calculator
Estimate take-home pay after PPh 21, BPJS and other deductions.
Inputs
Rp 10.000.000
Enter your salary and calculate.
Assumptions & notes
Take-home estimate: PPh 21 via the TER method (Category A, single) + employee BPJS with current ceilings. Rates current as of 2025.
Frequently asked questions
What does take-home (net) salary include?
Take-home pay is the amount that actually lands in your account each month: your gross salary minus statutory and company deductions such as PPh 21 income tax, BPJS Kesehatan and BPJS Ketenagakerjaan contributions, and any other deductions like loan installments. In BizOps, this is calculated automatically on every payslip.
Which deductions are subtracted from gross pay?
The main deductions are PPh 21 (employee income tax), BPJS Kesehatan (health insurance), and BPJS Ketenagakerjaan (employment programs such as JHT, JP, JKK and JKM), plus any company-specific deductions you add. BizOps HR & Payroll applies each one based on the latest rates and your company policy.
What is the difference between gross and net salary?
Gross salary is your total compensation before any deductions, while net salary is what remains after taxes and contributions are taken out. The gap between the two is exactly the total deductions shown in this calculator.
How accurate is this estimate?
PPh 21 here uses the official TER effective-rate method (PP 58/2023) assuming Category A (single, no dependents), and BPJS uses the employee share with the correct wage ceilings (Kesehatan Rp 12,000,000, JP Rp 10,547,400, JHT uncapped). It still does not reflect other PTKP statuses, allowances, or the December annual true-up. For payroll-grade accuracy, BizOps computes PPh 21 and BPJS per employee using up-to-date regulations and individual tax profiles. Rates current as of 2025.