An "enough" salary isn’t just about covering bills. It’s about whether your income can support your desired lifestyle in a specific city while still allowing you to save and invest for the future. This calculator determines this by looking at four key factors:

• Your estimated monthly take-home pay.
• The typical rent for your chosen city and lifestyle.
• The assumed cost of daily living (food, transport, etc.).
• Your commitment to ongoing investments.

This calculator provides a verdict by estimating your financial surplus or deficit:

• It estimates your monthly in-hand salary based on your CTC.
• It subtracts estimated rent and lifestyle costs based on your selected city and lifestyle level.
• It also subtracts your planned monthly investments.
• The final remaining amount is your "Living Cushion," which determines if the salary is comfortable, tight, or a mismatch for your expectations.

A ₹1 lakh monthly salary can feel very different depending on your context:

• In a Tier-2 City: This could afford a comfortable lifestyle with high savings.
• In Mumbai with a 'Premium' Lifestyle: This same salary might feel stretched due to high rent and living expenses.

This tool helps you see that financial reality, which is why a higher salary doesn't always mean a better life.