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Understand your salary truth.
Every rupee, decoded.

Six free salary tools for Indian professionals. Decode payslips, check your CTC in-hand, pick the right tax regime, spot offer letter red flags — all without your data ever leaving your device.

No login required 100% browser-based FY2026-27 tax slabs 100% private calculations
Try CTC → In-Hand Calculator

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🔥 Most used

CTC to In-Hand Calculator

Enter annual CTC, get exact monthly take-home after PF, TDS and professional tax. New and old regime. Instant.

CTC to in-hand87A rebatePF deduction
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Payslip Decoder

Verify PF is 12% of basic, understand HRA exemption, check TDS. Upload a PDF or image — OCR runs on your device.

PF checkHRA exemptionTDS salary
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Feb–Apr traffic

Old vs New Tax Regime

Get a personalised recommendation with exact rupee savings. Includes 80C, HRA exemption, NPS, and 87A rebate.

80C deductionsStandard deductionFY2026-27
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Offer Letter Analyser

Detect red flags, negotiation points and hidden clauses before you sign. Non-compete, clawback, variable pay traps, ESOP cliff.

Non-competeVariable payESOP cliff
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High intent

Notice Period Calculator

Exact buyout cost (basic vs gross), optimal resignation date, net first-year gain from your new job after buyout.

Notice buyoutResignation dateJob switch
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Viral potential

Salary Negotiation Script

Get a word-for-word negotiation email + 3 fallback scripts. New offer, appraisal, or counter-offer. Personalised to your numbers.

Negotiation emailCounter-offerCompeting offer
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New

Bonus Tax & Meal Card

See exact tax on your one-time bonus, plus how much a ₹1,05,600/year meal card saves you every month.

Bonus TDSMarginal rateMeal card
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New

Cost of Living Calculator

Relocating cities? Enter your own rent and expenses for both and see the exact equivalent salary you'd need.

RelocationDisposable incomeCity comparison
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New

HRA Exemption Calculator

How much of your House Rent Allowance is tax-free? Enter basic, HRA and rent — get your exemption via the Section 10(13A) formula.

HRA exemptionSection 10(13A)Metro vs non-metro
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How it works

Everything runs in your browser. Nothing is sent anywhere.

1

Pick your tool

Choose from 9 free salary tools built for Indian salaried professionals.

2

Enter or upload

Type your numbers, paste text, or upload a PDF/image. OCR and PDF reading run locally — no server upload.

3

Get instant analysis

Results appear in seconds. FY2026-27 tax slabs, 87A rebate, PF capping, HRA exemption — all calculated correctly.

4

Take action

Use your results to negotiate, switch regimes, decode deductions, or spot red flags before signing.

Frequently asked questions

Common questions about Indian salaries and tax.

How to calculate CTC to in-hand salary in India?
Monthly in-hand = Monthly gross salary minus Employee PF (12% of basic, maximum ₹1,800/month) minus Income Tax TDS minus Professional Tax. Gross salary = Annual CTC minus Employer PF minus Gratuity (if in CTC), divided by 12. Use the CTC to In-Hand Calculator for an instant breakdown.
Old or new tax regime — which is better for FY2026-27?
The new regime is better if your total deductions (80C + HRA exemption + 80D + others) are less than roughly ₹3.75 lakh/year. If you have significant 80C investments and pay rent in a metro, the old regime often saves more. The Tax Regime Picker gives you a personalised answer in seconds.
Is my PF deduction on my payslip correct?
PF should be 12% of your basic salary, capped at ₹1,800/month (because the PF wage ceiling is ₹15,000). If your basic is ₹30,000, your PF deduction should still be ₹1,800 — not ₹3,600. Use the Payslip Decoder to verify your PF automatically.
What are the red flags in an Indian offer letter?
Key red flags: (1) Variable pay linked to company performance, not your own targets, (2) Non-compete clauses over 6 months, (3) Clawback clauses on bonuses or joining bonus, (4) ESOP vesting cliff over 12 months, (5) Gratuity and employer PF included in CTC number — these aren't monthly cash. Check your offer with the Offer Letter Analyser.
How is notice period buyout calculated in India?
Notice buyout = (Monthly salary ÷ 26 working days) × remaining days. Some companies calculate on basic salary only (cheaper for you); others on gross salary. Verify your offer letter. Calculate yours with the Notice Period Calculator.
Is SalaryTruth safe — what data does it collect?
SalaryTruth collects nothing. There is no backend server, no database, and no user accounts. All calculations — including PDF reading (via PDF.js) and image OCR (via Tesseract.js) — run entirely in your browser. Your salary data never leaves your device. See the Privacy Policy.
Guides
How to read your payslip CTC vs in-hand explained PF deduction explained Is your hike real? ESOP tax guide All guides →
Salary Breakdowns
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