Why Your CTC Doesn't Tell the Whole Story
Most professionals focus on their CTC during job negotiations, but what actually matters is the money that hits your bank account each month. Let's break down the hidden components.
Purpose-built calculators designed for the Indian salaried professional. No signups, no hidden fees—just instant answers.
Decode your paycheck and optimize your tax outflow
Practical financial insights written for real people, not finance textbooks. Tap any section to explore.
Why your financial reputation matters
Think of your credit score as your financial report card. It's a three-digit number that tells lenders how reliably you've managed borrowed money in the past. In India, this score ranges from 300 to 900—the higher, the better your chances of getting approved for loans and credit cards with favorable terms.
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Building a safety net for life's uncertainties
Insurance isn't just another expense—it's the foundation of sound financial planning. The right coverage ensures that unexpected events don't derail your family's financial security. Term insurance protects your loved ones' future, while health insurance shields your savings from medical emergencies.
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Making EPF and NPS work harder for you
Your Employee Provident Fund and National Pension System are powerful wealth-building tools that many professionals don't fully leverage. EPF provides safe, guaranteed returns with employer matching, while NPS offers market-linked growth potential with attractive tax benefits beyond Section 80C.
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How we ensure accurate and compliant calculations
All our calculators use strict validation rules based on Indian tax laws, statutory financial limits, and logical constraints. Inputs that violate legal or logical limits are blocked immediately. Calculations never run on invalid data. No values are auto-corrected silently. Clear error messages explain what needs to be fixed. This ensures results are accurate, transparent, and compliant with Indian financial regulations.
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Most professionals focus on their CTC during job negotiations, but what actually matters is the money that hits your bank account each month. Let's break down the hidden components.
A simple calculation that might change how you think about investing. See how starting early can mean the difference between retiring comfortably and struggling.
After five years of service, you're entitled to a lump sum that many overlook during job changes. Here's how to calculate it and what to expect.