Context · Salary Decoder

Your salary slip,
finally explained.

Upload your payslip PDF. Every deduction in plain language. Then calculate your True Surplus — without leaving this page.

Upload payslip
Drop salary slip here
or click to browse
PDF only · max 5MB
How it works
1
Upload your PDF
Text extracted locally in your browser.
2
AI reads every line
Groq's Llama 70B parses all deductions.
3
Plain language breakdown
EPF, TDS, PT — each explained honestly.
4
Switch to True Surplus tab
Your in-hand pre-fills automatically.

Text extracted locally. Only anonymised numbers reach our AI. Nothing stored.

Your breakdown appears here
Works with payslips from Infosys, TCS, Zomato, HDFC, any Indian company.
Decoding your slip...
About 5 seconds
Groq
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Gemini
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Claude
Could not decode
Decoded ·
Net In-Hand
—
Gross Monthly
—
CTC Annual
—
Total Deductions
—
Effective Tax Rate
—
Take-Home %
—
Earnings — % of basic pay
Deductions — % of gross
What your employer pays beyond your salary

These are in your CTC but never reach your bank. Most employees don't know this number.

Salary vs CTC breakdown
CTC
—
Gross salary
—
In-hand
—
Tax summary
—
Effective tax rate
Based on your TDS and gross salary
Monthly TDS—
Annualised TDS—
Effective rate on gross—
Tax regime detected—
80C utilised (est.)—
What your slip is really telling you

In-hand pre-fills automatically

 
Find your True Surplus.
In 3 minutes.

Your bank balance doesn't lie about the number.
It lies about what the number means.

Answer honestly. See the one figure no finance app in India shows you.

Built by Vikas Agrawal · Context
1 of 6
What lands in your
bank account every month?

After PF, professional tax, TDS — what actually arrives. Not your CTC.

₹

Press Enter to continue

2 of 6
Fixed commitments
that hit every month

Things you can't avoid — they leave whether you like it or not.

Rent / PG (incl. maid, electricity)
₹
All EMIs (home, car, phone, laptop)
₹
Credit card spend (actual this month)
₹
3 of 6
What are you
investing every month?

Every SIP, recurring investment, savings transfer. Even the small ones.

Mutual funds / SIPs
₹
US stocks / ETFs
₹
Digital gold / silver
₹
Emergency fund / FD
₹
Direct stocks / crypto
₹
PPF / NPS / ELSS
₹
4 of 6
What do you
spend every month?

Be honest. Include the coffee, the Swiggy, the random weekend.

Food & groceries
₹
Transport
₹
Subscriptions
₹
Insurance
₹
Weekend & social
₹
Personal care
₹
Professional
₹
Variable this month
₹
5 of 6
The money that disappears
but never shows up anywhere

Parents. A sibling's rent. Informal loans. The stuff your bank statement has never captured.

Here's your
True Surplus.
True Surplus
what you actually have this month
₹0