Free Tools
Take-Home Pay Calculator
Compute take-home pay from gross salary less employee BPJS deductions and PPh 21, with a breakdown of each deduction. Free.
Note
Estimate uses the monthly TER on gross salary. The final figure depends on other components & company policy. An estimate, not official tax/legal advice. Rules can change — consult a tax advisor or HR/labor-law professional.
Take-home pay
Want automated payslips & payroll?
Leave your contact and the Omset Laris team will help with a payroll & HR system. Optional.
Understanding take-home pay
Take-home pay
The net salary an employee actually receives after mandatory deductions: the employee's BPJS share and PPh 21.
Gross salary
Total basic + fixed allowance + variable allowance. The BPJS base is only basic + fixed allowance, while PPh 21 is computed from gross.
Deductions
Employee deductions include BPJS (JHT 2% + JP 1% + Health 1%) and PPh 21 at the average effective rate (TER) based on PTKP status.
FAQ
Frequently asked questions
How do I calculate take-home pay?
Take-home pay = gross salary − employee BPJS − PPh 21. The calculator computes BPJS from basic+fixed allowance and PPh 21 from gross using the TER rate for your PTKP status.
What reduces take-home pay?
Mandatory deductions: the employee's BPJS share (JHT 2%, JP 1%, Health 1%) and PPh 21. Other deductions (cooperative, loans) aren't counted here.
Are variable allowances subject to BPJS?
No. The BPJS base is only basic + fixed allowance. Variable allowances like daily meal money are still in gross salary and counted for PPh 21.
Why can my PPh 21 be 0?
If your gross income is below the tax-free threshold for your TER category, the TER rate is 0% so PPh 21 is nil. PTKP status affects this threshold.
Does this match my payslip?
It's an estimate. A real payslip can differ due to other components (tax allowance/gross-up, bonuses, other deductions) and year-end adjustments. Verify with company payroll.
Tax & Payroll
Other calculators you might need
All free, no signup, and every calculation runs on your own device.
Omsetlaris Services
You have the numbers. Now the system.
The calculator here helps you decide with numbers. Running a business day to day takes a tidy system — that's where we work. We build websites, POS & bookkeeping systems, and financial & invoice automation for small businesses.
Business website
Profile, catalogue, and ordering channels that earn trust before anyone reaches out.
POS & bookkeeping
Transactions, stock, and profit tracked automatically — not in a notebook or manual spreadsheet.
Finance & invoice automation
Professional invoices, billing, and financial reports that generate themselves, saving your time.
Digitalization consult
We help map which processes are most worth automating first for your business.
The consultation is free with no obligation. If it turns out you don't need a system yet, we'll say so.