Use case - Getting started
Starting your first job - set up tax, EPF and savings from payslip one
The choices you make in your first month - which regime, EPF nomination, where the surplus goes - quietly compound for years. Niyam reads your first offer and lays out the five things to get right before your second salary lands.
Who it is for
- New graduates receiving their first salary offer
- Anyone setting up EPF, tax declaration and savings for the first time
- People who want a clear month-one checklist, not a finance lecture
What Niyam does
Reads your first payslip
Niyam breaks the CTC into take-home, EPF and tax, so you know exactly what lands and why.
Picks your regime
It recommends old or new for a first-year salary and explains the one condition that would change the answer.
Sets the foundation
A right-sized emergency fund and a first SIP, sized to what you can actually spare after rent.
Sample report
A preview of what you would get
Generated from a sample profile. Your own report runs on your real salary, investments and the latest published rules. The figures below are illustrative.
Personalised report - sample
First-year plan
Get five things right in month one and skip the rookie tax mistakes.
At Rs 9 lakh the new-regime rebate wipes out your tax. Keep it simple this year.
Profile New graduate - Rs 9,00,000 CTC - first job - Hyderabad
- Recommended regime
- New
- Monthly take-home
- Rs 70,300
- First emergency fund
- Rs 1,05,000
Rebate covers your tax
After EPF and tax
Three months of costs
Figure
Your monthly payslip
- Take-homeRs 70,300
- EPF (your share)Rs 4,500
- Tax and professional taxRs 200
Where each month's Rs 75,000 gross goes.
Recommended actions
- Action needed:Declare the new regime. The rebate covers your tax at this salary
- Good to know:Add a nominee to your EPF and UAN before you ever need it
- Action needed:Automate a three-month emergency fund before you start investingTarget Rs 1,05,000
- Good to know:Start a small index SIP with whatever is left after rentEven Rs 5,000 compounds
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