Payslip Decoder
Verify PF, TDS & HRA. Understand every salary component. Private — nothing leaves your device.
Earnings
Deductions
Location & rent
Results appear here
Enter your payslip values or upload a PDF / image, then click Decode.
What Your Payslip Decoder Checks
Your salary slip contains two sections: earnings (what your employer pays you) and deductions (what is removed before money reaches your bank). Most Indians only look at the net pay — missing critical errors that cost them money every month.
The most common payslip error is incorrect PF deduction. PF should be 12% of your basic salary, capped at a maximum of ₹3,000/month because the statutory wage ceiling is ₹25,000 (raised from ₹15,000 on 17 September 2026). If your basic is ₹40,000 and your payslip shows ₹4,800 in PF, your employer is deducting on actual basic — check whether this was specified in your offer letter. If your payslip shows ₹0 PF and your basic is ₹25,000 or below, this may be a legal violation.
The second most valuable check is HRA exemption. If you pay rent and live under the old tax regime, you should be claiming HRA exemption under Section 10(13A). The exempt amount is the minimum of: actual HRA received, 50% of basic (metro) or 40% (non-metro), and rent paid minus 10% of basic. If you haven't submitted rent receipts to HR, your employer is deducting full TDS on your HRA — you're overpaying tax every month.
This decoder runs entirely in your browser. Your payslip values, PDF content, and OCR-extracted data never leave your device.
Worked Example: Reading a ₹1 Lakh Payslip
| Line | Amount | What to check |
|---|---|---|
| Basic | ₹50,000 | Usually 40–50% of gross; PF and HRA depend on it |
| HRA | ₹20,000 | Tax-free only in the old regime, with rent receipts |
| Special allowance | ₹30,000 | Fully taxable balancing figure |
| Gross | ₹1,00,000 | |
| Employee PF | −₹3,000 | 12% of basic, capped at 12% of ₹25,000 |
| Professional tax | −₹200 | Set by your state; zero in some states |
| Income tax (TDS) | ₹0 | ₹12 lakh a year is tax-free in the new regime |
| Net pay | ₹96,800 | What reaches your bank |
Here PF is exactly ₹3,000 because basic (₹50,000) is above the ₹25,000 ceiling. If it showed ₹6,000, the employer would be deducting 12% of the full basic, which is allowed but should match your offer letter. TDS is zero because annual gross of ₹12 lakh, less the ₹75,000 standard deduction, is within the new regime's rebate limit.
If Something Looks Wrong
- Pay dropped this month? Compare it with last month's payslip in the Payslip Comparison tool, which explains each line that moved.
- PF missing or too low? Check your EPF passbook on the EPFO member portal to confirm the money was actually deposited.
- TDS too high? Check that your tax regime and investment declarations were applied, and compare with the TDS calculator.
- Still unclear? Ask payroll for the working behind the line, quoting the amount and the month.
For a line-by-line walkthrough, read how to read your payslip.