Upload your payslip or offer letter. AI reads it, finds every rupee you're overpaying in tax, and tells you exactly how to keep more money every month.
Average annual saving found
₹0
for salaried professionals in ₹10L–₹50L range
🔒 Data never stored
⚡ Results in 30 sec
🆓 Free to try
ctcwise.ai — salary analyser
📤
Drop your payslip or offer letter
or click to browse
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📄
Try example:
🔒 Analysed in real-time · never stored · never shared
Analysing your salary…
Applying Income Tax Act 2025 rules
Reading salary components
Comparing old vs new regime
Finding your best savings
Drafting your HR email
Total Annual Tax Saving Found
₹0
per financial year
FY 2025-26 · Income Tax Act 2025
⚠️
TDS Status
Action needed
Employer deducting
—
Correct tax
—
with your recommended regime
Difference
—
Annual CTC
—
Current Tax
—
Optimised Take-Home/mo
—
📊 Regime Comparison
🧾 Salary Components
Extracted from your document
💡 Your Action Plan
✉️ HR Email Template
Send to HR to restructure your CTC
Get the rest of your action plan — free
Enter your email to unlock the remaining suggestions + personalised notes.
No spam. Just your report + occasional tax-saving tips.
Generating the rest of your plan — usually 10–20s…
🤖 AI Observations
What CTCWise does
Everything existing tools miss
📄
Document Intelligence
Upload any payslip PDF, photo, or offer letter. AI extracts every component automatically — no 20-field forms to fill.
No manual entry
⚖️
TDS Accuracy Check
Compares what your employer deducts vs what you should actually pay. Flags over-deduction so you stop giving the government an interest-free loan.
New in v2
💡
Employer NPS Finder
80CCD(2) employer NPS is the biggest missed saving in India. Zero cost to employee, no upper limit, outside 80C. We always check for it.
Most missed deduction
📊
Real Regime Comparison
Old vs New regime using your actual salary numbers — not a generic calculator. See exact take-home under both and why one beats the other.
Personalised
✉️
HR Email Generator
Closes the gap between knowing and doing. Get a professional email ready to send to HR requesting your CTC restructuring — no drafting needed.
Only CTCWise does this
🔄
Always Current Rules
Tax rules updated every February 1 after Budget. Income Tax Act 2025 already applied. ChatGPT's training data goes stale — ours doesn't.
Budget-day updates
Real savings found
What people are discovering
₹15 LPA · IT Engineer · Bangalore
₹54,000
Via employer NPS + food allowance ₹2,200/month + 80D not claimed
₹30 LPA · Senior Engineer · Hyderabad
₹1,12,000
Regime switch + 80CCD(2) restructuring + HRA non-metro correction