Your monthly APIT (the tax your employer withholds — formerly PAYE), take-home pay and effective rate, computed on the current IRD slabs: Rs 150,000/month tax-free, then 6% to 36%.
Rs
Take-home pay
—
after tax & your 8% EPF
Income tax (APIT)
—
—
Effective tax rate
—
tax ÷ gross
Marginal rate
—
on your next rupee
Where your salary sits in the slabs
Bracket-by-bracket breakdown (monthly)
Slab
Rate
Income in slab
Tax
Total APIT
—
—
Full pay split (monthly)
Gross salary—
Income tax (APIT)—
Your EPF contribution (8%)—
Take-home pay—
Paid by your employer on top (not deducted from you)
Employer EPF (12%)—
Employer ETF (3%)—
Going into your retirement funds—
Notes & assumptions
Uses IRD APIT Table 01 slabs effective 1 April 2025 (personal relief Rs 1,800,000/year; the 12% slab was removed). Annual slabs after relief: Rs 1,000,000 @ 6%, then Rs 500,000 each @ 18%, 24%, 30%, balance @ 36%.
Assumes regular monthly remuneration from primary employment. Non-cash benefits (company vehicle, housing), lump-sum bonuses (Table 02) and secondary employment (Table 03) are not modelled.
Your 8% EPF contribution is deducted from take-home but does not reduce taxable income. Employer EPF/ETF is a cost to the employer, not a deduction from you.
This is an estimate for planning — always confirm against your payslip and the IRD's published tables.