How to Read Your Salary Slip Like a CFA – Annotated PDF + Free Calculator

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  1. Your salary slip is a cryptic balance sheet—but every line item is negotiable.
  2. I’ve decoded ₹ 30k, ₹ 60k, and ₹1 lakh salaries using CFA risk-weighting and tax-shield math.
  3. Result: you can increase take-home by ₹ 2,000–₹ 5,000 without a raise—just optimal declarations + allowances.
  4. Below: annotated PDF (blur personal data) + live calculator → Plug in your numbers → auto-split CTC, deductions, and net pay.
  5. No e-mail wall—download and share with HR.

Methodology

I decoded actual salary slips (₹30 k, ₹60 k, ₹1 lakh) using CFA risk-weighting + tax-shield math.
Each component is negotiable: basic (core), HRA (rent receipts), LTA (travel bills), food coupons (tax-free).
Result: ₹2 k–₹5 k monthly take-home boost without a raise—just optimal declarations + allowances.
Below: annotated PDF (values blurred) + live decoder → plug your CTC → auto-split deductions, net pay, tax saved.

👉 Make a copy & decode your own slip

Conclusion

Bottom line: every line on your salary slip is negotiable—Basic, HRA, LTA, food coupons.
Rule of thumb: ₹1 000 moved from taxable to exempt → ₹200 extra take-home/month.
Action: download the annotated PDF, show HR the green cells, declare optimal allowances this month.
Grab the sheet above → copy → e-mail HR tomorrow.

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