✦ Built for salaried Indians

Your salary can build
₹1 Crore.
Does yours?

SalarIQ decodes your salary, finds hidden tax savings, and builds a personalised plan to hit your wealth goals — free.

Free to start · No credit card · 2 min setup

✦ Goal simulator — try it now
What will your money grow to?
15,000/month · 10 years · 10% step-up
₹50.6L
Invested ₹28.7L · Gained ₹21.9L · 1.8× growth
Monthly SIP15,000
₹1K₹1L
Time horizon10 years
1yr30yr
Annual SIP step-up10%
Increasing SIP 10%/yr as salary grows
Milestone journey
25%
₹12.7L
Yr 5
50%
₹25.3L
Yr 7
75%
₹38.0L
Yr 9
100%
₹50.6L
Yr 10
This is based on 12% returns (Nifty 50 historical avg).
SalarIQ builds your personalised plan based on your actual salary.
No credit card · 2 min setup · First 50 get Pro free
🔒 How your payslip is processed
We read numbers.
We never touch your identity.
📤
Upload slip
🔍
AI scans
Extract
Decoded
📄salary_slip.pdf
Drop your payslip here
Employee Name██████ ████
PAN Number█████████
Bank Account████████████
Basic Pay₹26,667
HRA₹13,333
Gross Salary₹66,667
PF Deduction₹3,200
Net Pay₹58,254
🔍 Reading financial data… 0%
Gross Salary
₹66,667
Basic Pay
₹26,667
HRA
₹13,333
PF Deduction
−₹3,200
TDS Deducted
−₹5,213
In-Hand
₹58,254
In-hand / mo
₹58,254
Tax saving/yr
₹34.2K
Health score
78/100
10-yr corpus
₹58.4L
🔒 Name · PAN · Bank details — never stored
✅ We read
Salary & pay
Tax deducted
PF & benefits
🚫 Never stored
Your name
PAN / Aadhaar
Bank account
₹62,400
average tax overpaid per year
by salaried Indians who don't max their 80C + NPS deductions
68%
of employees never read their payslip
they don't know their basic, HRA, or PF split — costing them lakhs in missed claims
March
when most people panic-invest for 80C
last-minute ELSS SIPs lose 11 months of compounding — that's real money left behind
Sound familiar?

Your salary slip has 12 line items.
You've questioned maybe 2 of them.

You got a raise but aren't sure if you're actually taking home more
It's February and you're scrambling to find 80C proofs
You pay rent but haven't claimed HRA exemption properly
Your SIP is running but you have no idea if you'll hit your goal
You chose new tax regime because someone said so — not because you calculated
You've never used the extra ₹50,000 deduction NPS gives you
SalarIQ fixes all of this. Not with generic advice — with your actual numbers, your actual slip, your actual tax bracket.
How it works

From zero to clarity in 3 steps

01
Set up in 2 minutes
Enter your monthly income, expenses, and tax regime. Or upload your salary slip — SalarIQ reads Basic, HRA, PF, and Gross automatically.
02
Get your complete picture
See exactly how much you can invest after expenses, how much tax you're paying, and what deductions you're missing.
03
Take the right actions
Follow personalised alerts — top up 80C before March, start a SIP matched to your risk profile, and file advance tax on time.
Your journey

From first login to full financial clarity

Each step builds on the last — start free, unlock Pro when you're ready.

STEP 1
📋
Free · 2 min
Set up your profile
Enter your salary, expenses, and tax regime in 2 minutes.
Start free →
STEP 2
Free
Optimize your taxes
See Old vs New regime side by side. Find every rupee of deduction you're missing.
See tax tab →
STEP 3
Free
Build your investment plan
Get a risk-matched SIP allocation across ELSS, PPF, NPS, and Index Funds.
See invest tab →
STEP 4
₹100/mo on annual
Unlock Pro — go deeper
Salary slip analyser, goal tracker, action alerts, SIP calendar, and what-if simulator.
Upgrade to Pro →
Free calculator

How much tax are you overpaying?

Enter your salary and deductions — see Old vs New regime instantly.

Monthly gross salary
/mo
₹30K₹10L/month
Old regime deductions (to compare fairly)
Std deduction
₹50K fixed
80C limit
₹1.5L fixed
NPS 80CCD(1B)
₹50K fixed
HRA exemption / year (if you pay rent)
e.g. ₹2,40,000 for metro (₹20K/mo)
Home loan interest / year (24B, max ₹2L)
Capped at ₹2,00,000 by law
Total old regime deductions: ₹2.5L
SAVES MORE ✓
New regime
₹1.5L
tax per year
₹75K std deduction · Budget 2025 slabs
Old regime
₹2.9L
tax per year
₹2.5L deductions claimed
New regime saves you ₹1.4L/year — ₹11K/monthAnnual gross: ₹18.0L
💡 Add your HRA or home loan interest above — old regime may win if your deductions are high enough.

Free · 2 min setup · No credit card

Everything inside

Tools that actually move the needle

📄Pro
Salary Slip Analyser
Upload your PDF payslip — SalarIQ auto-extracts Basic, HRA, PF, Gross, and Net Pay. No more manually reading 12-line salary slips.
Works with Fractal, Infosys, TCS, Wipro, and most payroll formats
💸Free
Tax Regime Optimizer
Side-by-side comparison of Old vs New regime for your exact income. See which one saves you more — down to the rupee.
Includes HRA exemption, 80C, 80D, NPS 80CCD(1B) calculations
📈Free
Investment Planner
Get a risk-matched portfolio allocation across ELSS, PPF, NPS, Nifty 50 Index Fund, and Gold ETF — calibrated to your savings capacity.
Conservative, moderate, or aggressive — you choose the risk profile
🎯Pro
Goal Tracker
Set a corpus target — retirement, home, kids' education. Track milestones at 25%, 50%, 75%, and 100% with real timelines.
Shows the SIP gap if you're not on track, with a specific fix
Pro
What-If Simulator
Drag a slider and watch your projected corpus change in real time. Increase your SIP by ₹5,000 — see the 10-year impact instantly.
Type any value manually — SIP up to ₹5L/month, horizon up to 40 years
🔔Pro
Action Alerts
Rule-based nudges tailored to your numbers: 80C gap with days to March 31, advance tax deadlines, SIP shortfall, HRA not declared.
Alerts change month by month — never miss a tax-saving window again
📅Pro
12-Month SIP Calendar
A month-by-month action plan for the full financial year — when to top up ELSS, when advance tax is due, when to review your SIPs.
Colour-coded: done, action needed, urgent — at a glance
🗓️Pro
Year-End Tax Optimiser
March 31 countdown with your deduction checklist — how much 80C is filled, how much gap remains, and how much tax you can still save.
Shows exact rupee gap and the tax impact of closing it
🔒 Your data, your control
We only read numbers. Never your identity.
When you upload a salary slip, SalarIQ extracts only the financial figures it needs — nothing else. No name, no PAN, no address, no employer details ever leave your device unprocessed.
✅ What we read from your payslip
Gross salary & net pay
Basic, HRA, and allowances
PF & ESI deductions
TDS / income tax deducted
Special allowances & bonuses
🚫 What we never store or use
Your name or employee ID
PAN / Aadhaar number
Bank account details
Company name or HR data
Address or personal contact info
🔐
End-to-end processing
Your slip is parsed in-memory and discarded. We store only the extracted numbers — never the original file.
🚫
Zero PII stored
No name, PAN, address, or employer details are ever saved to our database.
🇮🇳
India-first privacy
Built in compliance with Indian IT Act data handling standards. Your financial data stays yours.
🗑️
Delete anytime
You can permanently delete your account and all associated data from your profile page in one click.
Simple pricing

Start free. Upgrade when you're ready.

Free
₹0
Forever free · No card needed
What's included
Tax regime comparison (Old vs New)
Deduction optimizer (80C, NPS, HRA)
Risk-matched investment planner
Monthly expense tracker
Financial health score
Goal & SIP calculator
MOST POPULAR
★ Pro
100/month
₹1,200 billed annually · save ₹228
Have a code? Redeem free access inside the app.
Everything in Free, plus
Salary slip PDF upload & auto-fill
Goal tracker with milestone timelines
Personalised action alerts (month-wise)
Year-end tax optimiser with countdown
12-month SIP calendar
What-if simulator (unlimited ranges)
Monthly email reminders

Cancel anytime · Secure payments via Razorpay

★ SalarIQ Pro

Your salary is your biggest asset.
Start treating it that way.

Join thousands of salaried Indians who finally know where their money goes — and exactly how to grow it.

No credit card for free plan · Cancel Pro anytime · Offer codes accepted