Salary Journey

Your salary,
finally in plain English.

This is a sample payslip — explore it, or drop in your own numbers and watch the take-home and opportunities recalculate live. Nothing is saved unless you sign in.

Monthly payslipEditable
Annual CTC₹

Earnings

₹
₹
₹
Gross (monthly)₹ 95,200

Deductions

₹
EPF — your 12% auto− ₹ 4,800
TDS — income tax auto− ₹ 0
Take-home / month
₹ 10,82,400 / year in hand
₹ 90,200
★ Opportunities we spotted
You could be keeping up to
₹ 1,86,639 / year
Pick the new regimeOn these numbers the new regime is cheaper.Save ₹1,45,829/yr
Use your ₹1,50,000 of 80C headroomEPF, ELSS, PPF and insurance count — in the old regime this lowers taxable income.Save up to ₹40,810/yr
Claim HRA if you pay rentYou get ₹20,000/mo as HRA. Declaring rent can make a big part of it tax-exempt (old regime).Often ₹1,000s/yr
Your flexible/variable pay looks high for your bandTypical is around 15% for your experience — a higher fixed split is worth negotiating.Negotiation tip
New regime
₹ 0
✓ Lower for you
Old regime
₹ 1,45,829
Personalise your opportunities
Tell us a bit about you
These unlock rent-based HRA and role benchmarks — the same math a signed-in profile uses.

Figures are estimates for FY 2025–26 to help you learn, not tax advice. Computed on our server via the shared engine.

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