Toolkit
Salary Toolkit
CTC is rarely what lands in your account. Use these tools to translate any offer into a clean monthly take-home and understand how your pay components affect tax.
Tools in this kit
Salary Take-Home Calculator
Convert annual CTC into a clean monthly take-home estimate with adjustable assumptions.
Income Tax Calculator
Estimate your annual income tax across regimes with a transparent slab breakdown.
HRA Exemption Calculator
Find your House Rent Allowance exemption under Indian income tax rules.
Worth reading
2 min read
How to plan your salary structure better
CTC isn't take-home. Use this short guide to read an offer letter properly and shape your structure with intent.
2 min read
Old vs new tax regime: the basics, without the noise
A clean, opinion-free walkthrough of how the two regimes differ — and a simple way to decide which suits you.
Quick tips
- 1Negotiate on take-home, not just CTC.
- 2Understand variable pay — it's not guaranteed.
- 3Match deductions to the regime you actually use.
- 4Keep an emergency fund covering 3–6 months of expenses.