Salary & Living

Work from what reaches your bank account to the costs and commitments that shape the rest of your month.

Start with the decision in front of you

Can my salary support my city costs?

Compare modeled take-home, rent, essential costs, and debt in one check.

Check salary and city costs

Monthly Money Plan

Lay out monthly commitments, a buffer, and what remains to allocate.

Build a Monthly Money Plan

City Reality

No City Reality page currently passes the independent evidence gate for discovery. You can still use the Salary Reality Check with your own city costs.

Retained collections

Salary & Tax

A retained collection for salary structure, tax, HRA, and gratuity resources.

Browse Salary & Tax

Loans & Debt

A retained collection for personal loans, car loans, and other non-home debt.

Browse Loans & Debt

Supporting Tools

Salary Calculator

Break a CTC offer into its modeled monthly parts.

Open the Salary Calculator

Income Tax Calculator

Compare the modeled tax result for the available regimes.

Compare tax regimes

HRA Calculator

Work through HRA exemption inputs separately.

Check an HRA exemption

Guides

50-30-20 Rule in India

Use the guide to question a fixed percentage budget against your own commitments.

Read the budgeting guide

Your Real Salary After Tax, Inflation & EMI

Follow a worked explanation of the gap between CTC and usable money.

Read the salary guide

How CTC Is Calculated

Review the parts of a CTC before using a salary tool.

Read the CTC guide