💰 Salary Reality Calculator

Step 1: Net Salary Calculation

We calculate your take-home pay using India's New Tax Regime:

• ₹0-7L: 0% tax
• ₹7L-10L: 10% tax
• ₹10L-15L: 20% tax
• Above ₹15L: 30% tax + 4% cess

Step 2: Survival Cost Analysis

City-adjusted base survival costs (food, transport, utilities):

• Tier 1 cities: ₹22,000/month
• Tier 2 cities: ₹15,000/month
• Tier 3 cities: ₹10,000/month

Step 3: Lifestyle Multiplier

Your lifestyle choice affects monthly expenses:

• Low lifestyle: 1.0x base cost
• Medium lifestyle: 1.3x base cost
• High lifestyle: 1.6x base cost

Step 4: Final Reality Check

Disposable Income = Net Monthly - All Expenses

Status: <15% = SURVIVING, 15-35% = STABLE, >35% = GROWTH CAPABLE