Personal finance, for Indian professionals

Unpakk your salary.
See your in-hand pay.

Stop guessing your monthly in-hand. Decode CTCs, evaluate stock options, and see exactly what hits your bank account—100% privately.

live, in this tab
CTC
25,00,000
monthly in-hand
1,78,507
the toolkit

Six tools. Every answer ends in a ₹ number.

Start with Salary below — type a CTC, see the breakdown. The other five take it from there.

tool · 01

Salary

CTC → real monthly in-hand. Both tax regimes, any Indian city, line by line. The numbers you see here are computed in this tab.

try a number ↓
monthly in-hand
1,78,507
from ₹25.0L CTC · take-home of 86%
Basic10,00,000
HRA5,00,000
− Income tax−₹3,12,312
− Employee PF−₹21,600
new regime · FY 25–26 · standard ded ₹75k

Offers

compare

Put 2–3 offers side by side across CTCs, cities, variable pay.

Equity

ESOP

Grant → exercise → sale. The real tax at every stage.

Freelance

44ADA

44ADA vs salaried. Find the billing rate where solo wins.

Open → Guide · soon

Appraisal

hike %

Decode your hike letter. See where the percentage actually went.

Negotiate

counter

Model counter-offers. Know your walk-away before the call.

what people ask

The questions people actually type into Google.

Every bracket has its own page with the breakdown, both regimes, and worked examples. FY 2025–26, verified against the tax engine.

go deeper

Guides for the tax-code rabbit holes.

Worked examples, edge cases, and the rules behind the numbers.

— how it works

No backend. No network calls. The tax engine runs in your browser — close the tab, and the calculation is gone.

  • Private by design.
  • No account needed.
  • FY 2025–26 ready.