Updated July 2026

Salary Reality Check

See what your monthly income leaves after rent, Essential Living Costs, and debt. Start with a disclosed take-home model or enter the amount from your payslip.

Your numbers

Whole rupees only. There is no maximum, and values are never adjusted.

Your annual cost to company before payroll deductions.

Used to frame the result. No city cost is guessed.

Professional tax follows where you work. Delhi NCR needs Delhi, Haryana, or Uttar Pradesh.

Use your monthly payslip amount. It replaces the model only in affordability calculations.

Monthly household costs

Enter your own costs. Current comparable city ranges are not available for every launch city.

Your monthly rent payment.

Food, utilities, transport, insurance, and household spending. Excludes rent, debt, saving, and investing.

Enter zero if you do not have a monthly debt payment.

Your entries stay in this tab's memory. They are not added to the URL, saved, logged, or sent to analytics. Reloading clears them.

Salary result

Result Basis: Incomplete

Modeled Take-Home unavailable

Enter Actual In-Hand. RupeeReality will not guess a professional-tax rule when the jurisdiction or salary band needs more detail.

Affordability result is incomplete

Add valid salary, jurisdiction, rent, Essential Living Costs, and debt-payment values. Actual In-Hand is required when payroll cannot be modeled safely.

Model assumptions and provenance

Official rules

Tax Year 2026-27 new-regime tax and supported work-jurisdiction professional tax, checked 26 July 2026.

Modeled assumptions

100% fixed CTC; basic at 40% of CTC; HRA at 50% of basic; employer EPF inside CTC; employee and employer EPF at 12% of full basic without the statutory wage ceiling; no gratuity, insurance, bonus, or employer-specific benefits.

User-entered

Annual CTC, city, work jurisdiction, optional Actual In-Hand, rent, Essential Living Costs, and debt payments.

Observed market ranges

None are used on this page. Comparable licensed city ranges are not available across all five cities, so the check asks for your costs.

Sources: Income Tax Department slab guidance, salary-TDS transition guidance, EPFO guidance, and the applicable state professional-tax authority. External links open in the same tab.

Professional-tax sources: Maharashtra GST Department, Karnataka Commercial Taxes, Telangana Commercial Taxes, and the Haryana government non-levy memo. Delhi and Uttar Pradesh require Actual In-Hand because a universal locality-independent deduction could not be verified.

Need payslip-level detail or the old tax regime?

Use the detailed Salary Calculator to adjust salary structure, EPF treatment, HRA, deductions, and tax regime.

Open the detailed Salary Calculator →