Free planning tool
Salary Structure Planner
Set the component percentages your organisation intends to discuss and see whether they add up. This is not a tax-optimisation recommendation or a replacement for payroll, tax or legal advice.
Enter your planning assumptions
No personal, medical or sensitive employee information is needed.
INR
%
%
Planning result
Annual structure summary
60% allocated
Basic: ₹4,80,000 · HRA: ₹2,40,000 · Other components: ₹4,80,000.
Need a tailored insurance discussion?
Use the result as a starting brief, then confirm final policy terms and suitability with ClearCover and the relevant insurer.
View all planning toolsFrequently asked questions
Frequently asked questions
Does this tool optimise tax?
No. It only checks a user-defined salary split. Statutory, tax and employment-law treatment should be reviewed with qualified payroll or tax professionals.
Can the basic and HRA percentages be changed?
Yes. They are inputs rather than recommended rates, because salary structures differ by employer and location.