Financial decision platform for India
Plan with the number you'll actually live with.
See what your salary, investments, and home loan mean after inflation, tax, and real city living costs—not just the headline figure.
The Reality Lens
At ₹35,000 rent and ₹24,000 essential living costs, rent is 33% of take-home and leaves a monthly remainder of ₹46,663.
Illustrative estimate calculated by the shared Salary Reality engine. Personal outcomes vary based on actual deductions and rent.
Four Decision Areas
What do you need to work out?
Salary & Living
Work through take-home pay, HRA, professional tax, city costs, and monthly cash flow.
Buying a Home
Test home loan EMI affordability, down payment timelines, stamp duty, and total acquisition costs.
Growing Money
Project SIP compounding, goal funding, fixed deposits, government schemes, and tax-efficient growth.
Retirement
Estimate your retirement corpus, model EPF/NPS/PPF, and structure safe monthly post-work income.
Free. No sign-up.
Your financial inputs stay in your browser.
Every assumption stays visible.
Built around Indian tax and financial rules.
How the tools work
Built to be checked
The result is only useful when you can see what shaped it.
- 01 / Assumptions
See the assumptions
Defaults are labelled, editable, and kept beside the result.
- 02 / Calculation
Follow the calculation
Results show the deductions, costs, and formulas that changed the headline number.
- 03 / Sources
Check the source
Time-sensitive rules include their source and review date.
Keep planning