Paste your CTC (as gross for tax), your rent, and a lifestyle tier — we estimate in-hand after tax/PF, stack a transparent month of non-rent spend, and show what’s left to save. Built for offers and city trade-offs; not a substitute for your bank statement or tax filing.
How SalaryExit calculates estimates (methodology, FY scope, and limits).
This is a decision assistant: compare whether an offer leaves meaningful savings after a transparent spend model. Defaults are visible and editable so nothing feels like a black box.
CTC is a headline; rent is usually the villain in Indian metros. This tool doesn’t judge your choices — it shows, under editable defaults, whether there’s any cushion left after tax/PF and a lifestyle-shaped month. If the verdict feels harsh, the fix is often ₹5–15k rent or one lifestyle tier, not a lecture.
It works best when you’re comparing two offers, two cities, or “can I afford this lease?” It does not replace a budget with your actual card statements — override every expense line until it feels like your life, not ours.
Same Salary Reality Check engine, fixed rent + lifestyle story per page — jump in and edit the numbers.
Example: CTC ₹18,00,000/year, metro, rent ₹28,000/month, moderate lifestyle, new regime, Basic+DA 45% of gross. The tool estimates in-hand via the same engine as CTC→in-hand, then adds non-rent spend (groceries, commute, utilities, discretionary). Edit any line to mirror your budget — the story updates immediately.
Next steps
Refine or compare offers with the same methodology.
No. In-hand is modeled from CTC; expenses are bands you can override. Use it to compare scenarios and city/rent trade-offs.
Non-rent defaults scale with the tier you pick — groceries, commute, utilities, and discretionary all move together in the table until you edit them.
Most salary planning starts with a simple calculation: in-hand minus rent equals savings. In practice, the number left after rent is not your savings — it is your budget for all other spending: groceries, transport, utilities, subscriptions, personal care, social expenses, and emergency buffers. What remains after all of that is actual discretionary savings. This tool adds a realistic spending tier between in-hand and rent to give you that clearer picture.
The spending tier categories in the calculator (basic, moderate, premium) represent real-world ranges observed across Indian cities and income levels. They are not exact — your specific lifestyle will differ — but they give you a starting structure. In many Indian metros, a “moderate” lifestyle for a single professional includes meals (home-cooked and eating out), transport (auto, metro, occasional ride-hail), personal care, and phone/internet. The “premium” tier adds higher discretionary spend, more frequent dining out, gym memberships, and similar costs.
City differences are real and large. The same ₹12 LPA gross in Hyderabad leaves meaningfully more discretionary income than in Mumbai, primarily because rent is a fixed rupee cost, not a percentage of income. A 2BHK in central Mumbai at ₹45,000/month consumes a much larger fraction of in-hand than a comparable unit in Pune at ₹18,000/month. This calculator does not hardcode city benchmarks — it asks for your actual rent, which makes the output more useful than generic “cost of living” comparisons.
A practical savings target: financial planners in India commonly suggest saving 20–30% of take-home pay for medium-term goals, and additional amounts for retirement beyond EPF. At lower income levels (under ₹10 LPA gross), hitting 20% savings while living independently in a metro is genuinely hard, not a personal failure. This tool helps you see exactly why — and which lever (rent, lifestyle tier, income) moves the needle most for your specific situation.