Which is better — old or new tax regime in FY2024-25?

The new tax regime is better if your deductions (80C + HRA exemption + others) are less than roughly ₹3.75 lakh annually. SalaryTruth's Tax Regime Picker gives you a personalised recommendation in seconds.

How to check if my PF deduction on payslip is correct?

PF should be 12% of your basic salary, capped at a maximum of ₹1,800/month (because PF wage ceiling is ₹15,000). If your employer contributes on actual basic above ₹15,000, your deduction may be higher.

What are common red flags in Indian offer letters?

Key red flags include: variable pay linked to company performance (not your own), non-compete clauses over 6 months, clawback clauses, ESOP vesting cliffs over 1 year, and retirals (PF, gratuity) counted inside CTC.

Is SalaryTruth safe to use with my salary data?

Yes. SalaryTruth has no backend server, no database, and no user accounts. All calculations — including PDF reading and OCR — run entirely in your browser. Nothing you enter is ever transmitted to any server.

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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.

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CTC to In-Hand Calculator

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

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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.

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Old vs New Tax Regime

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

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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.

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Notice Period Calculator

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

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Salary Negotiation Script

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

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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 FY2024-25?

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.

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