CYVORA FINANCIAL UTILITY

Salary Calculator & Offer Comparator

Salary Parameters

Input Basis

Annual CTC Monthly CTC Monthly Gross

Annual CTC (₹) Enter yearly cost to company (₹8 LPA).

Tax Regime

New (FY 24-25) Old Regime

State (Professional Tax) City (Living Costs) Old Regime Deductions (80C, 80D, HRA, NPS) Applicable only if choosing Old Tax Regime (Section 80C up to ₹1.5L, 80D, etc.).

Package Deductions & Variables

Employer PF in CTC? Annual Bonus in CTC? Variable Pay in CTC? Employer NPS in CTC?

Bonus % Variable % Employer NPS %

Profile Benchmark

Role Experience (Years) Employment Type Age

Monthly In-Hand Take Home ₹55,420

Monthly Gross Pay ₹66,667

Income Tax (TDS / mo) -₹3,850

Employee EPF (12%) -₹2,400

Professional Tax (PT) -₹200

Net Deposited to Bank ₹55,420

Salary Structure Health Score 86/100

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AI Salary & Compensation Insights

Actionable Next Steps

Detailed Monthly Salary Component Breakdown

Calculations account for standard Indian tax brackets and standard PF wage ceilings.

Tax Scheme Comparison

Old Regime Tax --

New Regime Tax --

                    Annual Tax Savings
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City Cost of Living Benchmark

Estimated Rent --

Food & Groceries --

Commute & Transport --

Utilities & Wi-Fi --

                    Estimated Monthly Savings
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VISUAL COMPENSATION TELEMETRY

Interactive Breakdown & Growth Charts

Salary Component Breakdown

Monthly Deductions Distribution

5-Year Projected CTC Trajectory (At Expected Hike)

OFFER & DOCUMENT COMPARATOR

Compare Competing Offers & Legal Contract Clauses

Evaluate both financial compensation and contractual restrictions (notice periods, IP claims, clawbacks) side-by-side.

Deep Compare Documents in LegalLens ↗

Current Offer (LPA) Offer A (LPA) Offer B (LPA)

Current Notice Period Offer A Notice Period Offer B Notice Period

Current IP Assignment Terms Offer A IP Assignment Terms Offer B IP Assignment Terms

Connect to LegalLens Full Document Comparator

Have 2 full PDF employment contracts or Statements of Work? LegalLens compares legal agreements side-by-side using grounded GenAI — evaluating restrictive covenants, IP ownership, liability caps, and termination notice clauses with zero permanent document storage.

Open LegalLens App ↗

Side-by-Side PDF Analysis Compares two PDF or DOCX agreements paragraph by paragraph.

Attention Area Detection Flags non-competes, off-hours IP claims, and bonus clawbacks.

Zero Retention Privacy Processed ephemerally in-memory. Contracts are never saved or stored.

CONTRACT & LETTER INSPECTOR

Offer Letter Clause Analyzer

Paste your offer letter or compensation email text below for an instant scan of base pay, notice periods, and restrictive covenants.

Paste Offer Terms or Clauses

CAREER TRAJECTORY

Career Growth & Compounding Earnings

Current Base (LPA) Expected Annual Hike (%) Horizon (Years)

Estimated Cumulative Career Earnings --

WEALTH ACCUMULATION STRATEGY

Recommended Monthly Allocations

Emergency Fund (6 Months)

Recommended SIP / Month

SGB / Gold Hedge

Pure Term Cover (15x CTC)

Health Insurance Base

₹15 - ₹25 Lakh

CUSTOM COMPENSATION DESIGN

Salary Structure Builder

Annual Package (₹) Basic Salary (%) HRA Allowance (%) Annual Bonus (%)

Share Breakdown

INSTANT FINANCIAL GUIDANCE

Salary & Tax Assistant

Ask about SIP, Old vs New tax regimes, EPF rules, notice period negotiations, or rent affordability.

Frequently Asked Questions

Everything you need to know about Indian CTC components, FY 2024-25 tax regimes, and comparing employment contracts.

How is In-Hand salary calculated from CTC in India?

CTC includes direct compensation (Basic + HRA + Special Allowance) plus employer contributions (Employer PF, Gratuity, Insurance). In-hand take-home salary is what remains after deducting Employee PF (12% of basic), monthly Income Tax (TDS), and state Professional Tax (PT).

What makes the New Tax Regime better under the FY 2024-25 Budget?

The Union Budget increased the Standard Deduction for the New Regime to ₹75,000 and revised slab thresholds. Full rebate under Section 87A ensures zero tax for taxable income up to ₹7,00,000 (effectively ₹7.75 Lakhs gross with standard deduction).

How do I compare two competing job offers effectively?

Don't look at headline CTC alone. Compare fixed basic vs variable bonus, employee EPF, net in-hand take-home, notice period lock-ins (30 vs 90 days), non-compete covenants, and intellectual property assignment restrictions.

Can I deeply compare full PDF agreements using Cyvora?

Yes! We built LegalLens AI, which lets you upload two contracts side-by-side to detect broad IP assignments, hidden clawbacks, and restrictive covenants with zero permanent data retention.