How It Works

Unpakk turns your CTC into a number you can actually plan with — in under 30 seconds, without creating an account.

1. Enter your number

Type your CTC or gross salary. Pick your city. That’s it.

No signup. No email. No “tell us about yourself” forms. The calculator loads instantly and works even without internet.

2. See the real breakdown

Unpakk splits your salary into what you actually get:

• Monthly in-hand — after PF, professional tax, and income tax
• Component breakdown — basic, HRA, special allowance, employer PF, gratuity
• Tax under both regimes — old vs new, side by side, so you can pick the one that saves more
• The gap — exactly how much of your “package” you never see in your bank account

Every number links back to how it was calculated. No black boxes.

3. Compare offers (if you have them)

Switching jobs? Add up to 3 offers side by side. Unpakk compares them on the only metric that matters: monthly in-hand after tax. Different cities, different structures, different variable pay — all normalized to the same bottom line.

4. Get the next step

Unpakk doesn’t stop at “here’s your number.” Each tool tells you what to do about it:

• Restructuring tips — specific changes to your salary structure that save real money, with ready-to-send HR email scripts
• ESOP tax timing — when to exercise, when to sell, what you’ll owe at each stage
• Freelance breakeven — the exact billing rate where going independent beats your current salary
• Appraisal reality check — what % of your “hike” actually reached your bank account
• Negotiation scripts — counter-offer and raise emails backed by your real numbers

5. Close the tab

Your data exists only in your browser’s memory. When you close the tab, it’s gone. There’s no account to delete because there’s no account to create.

If you want to save a result, export it yourself. We don’t keep copies.

Every calculation is verified against incometax.gov.in for FY 2025-26.