Net Salary Calculator: Calculate Your Take Home Pay (THP)

Calculate the net salary you receive each month after PPh 21 tax, BPJS Health, and BPJS Employment insurance deductions.

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Fill in the required parameters on the left and click calculate to see the detailed results and analysis.

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Understanding Take Home Pay (THP) and Salary Deductions in Indonesia

Receiving a high salary offer is certainly exciting, but the figure written in the contract (gross salary) is not the actual amount of money that enters your bank account. In Indonesia, there are various legal mandatory deductions that every employee must understand. Our Net Salary Calculator helps you accurately calculate your Take Home Pay (THP) by considering taxes and social insurance contributions.

What is Gross Salary vs. Net Salary?

  • •Gross Salary: Total income that includes basic salary and various allowances (meal, transport, position) before any deductions.
  • •Net Salary (Take Home Pay): The "clean" amount of money you receive after all mandatory deductions like taxes and social insurance are removed.

    • List of Mandatory Employee Deductions in Indonesia

    Every company in Indonesia is required to register its employees for national social protection programs:

  • 1BPJS Health (Kesehatan): The total contribution is 5%. The company pays 4%, and the employee is deducted 1% of their salary (with a certain upper limit).
  • 2BPJS Employment - JHT (Old Age Security): Total contribution is 5.7%. The company pays 3.7%, and the employee is deducted 2%.
  • 3BPJS Employment - JP (Pension Security): Total contribution is 3%. The company pays 2%, and the employee is deducted 1% (specifically for permanent employee status).
  • 4Income Tax (PPh 21): Income tax with progressive rates (5% to 35%) depending on the remaining income after PTKP deduction.

    • Understanding Allowances and Bonuses

    Some companies provide allowances in a "Gross Up" form where the company covers the employee's tax, but the most common systems are "Net" or "Gross".

  • •Fixed Allowances: Included in BPJS and Tax calculations.
  • •Non-Fixed Allowances: Usually based on attendance (meal, transport) and only subject to PPh 21 tax.

    • Tips for Managing Salary for Financial Health

    Once you know your THP value, use the 50/30/20 principle to manage it:

  • •50% for Basic Needs: Rent, food, installments, and routine bills.
  • •30% for Wants: Lifestyle, hobbies, and entertainment.
  • •20% for Savings & Investment: Emergency fund and future preparation.

    • How to Use This Salary Calculator

    Enter your monthly gross salary amount, add total allowances if any, and select your PTKP status (e.g., TK/0 for single). The calculator will automatically simulate BPJS contributions and your monthly PPh 21 tax estimate, so you get a Take Home Pay figure that is close to your pay slip reality.

    ? Frequently Asked Questions

    Q What is Take Home Pay (THP)?

    Take Home Pay or THP is the total net income received by an employee after deducting all mandatory deductions such as PPh 21 tax and social insurance (BPJS).

    Q What is the maximum salary limit for BPJS contributions?

    There are salary caps (ceilings) for BPJS Health and Pension Security calculations that are updated periodically by the government. If your salary is above the cap, then the contribution is multiplied by the cap figure, not your actual salary.

    Q Why is my tax deduction different every month?

    This could be caused by bonuses, overtime, or holiday allowance (THR) which makes the total gross income in that month rise, thus changing the progressive tax rate layer applied.

    Q Can BPJS Ketenagakerjaan (Employment) contributions be withdrawn?

    Old Age Security (JHT) contributions can be withdrawn when an employee stops working, gets laid off, or reaches retirement age. Pension Security (JP) will be given in the form of monthly benefits upon reaching a certain retirement age.

    Q What if my company does not deduct BPJS?

    By law, companies are required to register and pay BPJS contributions for their employees. If not done, the company violates labor regulations in Indonesia.