Take-Home Pay Calculator Guide
Estimate Indonesian net salary from gross pay, with PPh 21 and the employee share of BPJS broken out.
A contract salary is not what reaches the bank account, and the gap is made of two compulsory deductions: income tax under Article 21 and the employee share of the BPJS programmes. Take-Home Pay Calculator separates those deductions using the gross salary, PTKP status and BPJS setting, so the gap can be checked against a payslip. The tax follows the annual Article 17 brackets, the same total the December reconciliation arrives at, and every deduction is shown separately so the difference can be checked line by line against a payslip.
From a gross salary to what lands in the bank
Leave the defaults — Gross salary per month 10000000, PTKP status TK/0, no bonus, BPJS ticked — and the Take-home pay panel reads Rp 9,365,000. The summary explains it as Rp 10,000,000 gross minus Rp 635,000 of deductions, per month, and the status adds that net pay is 93.7% of gross with an effective tax rate of 2.35%.
The Deductions table breaks that Rp 635,000 down. JHT is 2% of gross, Rp 200,000; JP is 1% of gross up to its ceiling, Rp 100,000; BPJS Kesehatan is 1% up to Rp 12,000,000 a month, Rp 100,000; and PPh 21 is Rp 235,000, which is the annual figure Rp 2,820,000 divided by twelve. Annual figures shows how the tax was reached: 5% of a taxable income of Rp 56,400,000, after the position allowance, the deductible contributions and the PTKP.
Untick BPJS and the three contribution rows vanish while take-home pay rises — but the tax also rises, because JHT and Kesehatan reduce taxable income while JP does not. Change PTKP status from TK/0 to K/3 and the taxable income falls. Put 10000000 in Bonus or THR per year to see it treated as part of the year’s gross, which also lifts the position allowance toward its Rp 6,000,000 cap. Since 2024 an employer withholds a monthly effective rate and settles the difference in December, so an early payslip can differ from this estimate even though the yearly total agrees.
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Related guide
For more background, read Calculators and Unit Conversion.
Questions you might have
- Which BPJS deductions come out of the salary?
- JHT at 2% of gross pay, JP at 1% of gross pay up to the monthly ceiling, and BPJS Kesehatan at 1% of gross pay up to Rp 12,000,000 a month. JKK, JKM and the employer’s share of JHT, JP and Kesehatan are paid by the company and do not touch take-home pay.
- Why can my payslip show a different monthly tax?
- Since 2024 an employer withholds a monthly effective rate (TER) and settles the difference in December. The yearly total matches the annual brackets used here, but an individual month can differ, so the December figure is the one to compare against.
- How is the bonus treated?
- As part of the year’s gross income, which also lifts the position allowance until it hits the Rp 6,000,000 ceiling. That is how the year-end reconciliation treats a bonus or THR.
- Is this the same as the payroll software of my company?
- It follows the same published rules, but it will not know about allowances that are taxed separately, benefits in kind, a prior employer in the same year, or a status that changed mid-year. Treat the result as a close estimate and the payslip as the record.