About Unpakk

Unpakk is an independent, India-focused career-finance tool that turns your CTC into a number you can actually plan with — your real monthly in-hand, both tax regimes, every deduction — in under 30 seconds, without an account and without sending your salary anywhere.

It exists because the gap between the “package” in your offer letter and the money that lands in your bank account is large, poorly explained, and almost always works against you when you don’t understand it. Most salary calculators online are either ad-choked, inaccurate, or quietly harvest the very numbers you typed in. Unpakk is built to be the opposite: accurate, transparent about its math, and architecturally incapable of collecting your data.

Who is behind Unpakk

Unpakk is a bootstrapped, independent project built and maintained by a small team of Indian product and finance people who got tired of explaining CTC-to-in-hand math to friends one offer letter at a time. It is not affiliated with any employer, bank, broker, insurer, or tax authority. We don’t sell your data, because we never receive it (see Privacy). The project may include contextual ads and clearly-marked affiliate links on some pages — never anything tied to what you type into a calculator.

We are not chartered accountants, and Unpakk is not a substitute for professional tax advice. It’s a fast, accurate first pass that helps you ask your CA or HR the right questions. For anything with legal or filing consequences, confirm with a qualified professional.

How the calculations work

Every number on Unpakk comes from a single open, pure-TypeScript tax engine that runs entirely in your browser:

• Monthly in-hand — after employee PF, professional tax, and income tax (TDS)
• Component breakdown — basic, HRA, special allowance, employer PF, gratuity
• Both regimes, side by side — old vs new, so you can pick the one that actually saves you more
• Every deduction modelled — 80C, 80D, 80CCD(1B), employer NPS under 80CCD(2), HRA exemption, home-loan interest
• The gap — exactly how much of your “package” never reaches your bank account

There are no black boxes: every slab, rebate, surcharge, and cess line is inspectable in the source, and each result links back to how it was derived.

Our accuracy and editorial standards

• Tax year: All figures are for FY 2025-26 (AY 2026-27) under current Indian tax law.
• Verification: The engine is verified against incometax.gov.in and ClearTax, with 100+ automated test cases covering salary, ESOP, freelance (44ADA/44AD), and edge cases. We re-verify whenever slabs, the 87A rebate, surcharge thresholds, or cess change.
• Independence: Editorial content — our guides, comparisons, and bracket explainers — is written to be genuinely useful, not to push a product. Any affiliate relationships never change what we recommend or how a calculation comes out.
• Corrections: If you find a number that looks wrong, tell us (see Contact). We’d rather fix an error fast than defend it. Material engine changes are logged in the Changelog.
• Representative figures: Comparison pages (e.g. company-vs-company, startup-vs-MNC) use representative market bands, clearly flagged as such — your exact offer may differ, so we always point you back to the calculator to plug in your real numbers.

What you can do here

• Salary calculator — CTC to real in-hand, both regimes, every deduction
• Compare offers — up to three offers, normalised to monthly take-home after tax
• Equity / ESOP — tax at grant, exercise, and sale, across the full lifecycle
• Freelance — 44ADA vs salaried, GST, hidden costs, and your breakeven billing rate
• Negotiate — counter-offer, raise, and buyout analysis with ready-to-send email scripts
• Learn — in-depth guides on regimes, HRA, gratuity, ESOP tax, ITR filing, and more

Privacy, by design

Unpakk has no backend. There is no server receiving your CTC, no database storing your salary, no API logging your tax bracket. The calculation lives in your tab and disappears when you close it. You can verify this yourself: open your browser’s Network tab while calculating and you’ll see zero outbound requests carrying your data — or simply turn off your internet after the page loads and watch the calculators keep working. Full detail on the Privacy page.

Get in touch

Questions, corrections, partnership ideas, or a tax edge case we don’t handle yet? We read everything — see the Contact page.

Every calculation is verified against incometax.gov.in for FY 2025-26. Unpakk is an independent project and does not provide individualised tax, legal, or investment advice.