Offer Letter & AI Salary Copilot
Paste offer letters, payslip texts, or compensation packages to parse remuneration structures and get AI tax-saving strategies.
Interactive Component Percentage Allocation
Special Allowance auto-rebalances to maintain exact CTC.| Salary Component | Monthly Amount | Annual Total |
|---|---|---|
| Basic Salary | ₹84,000 | ₹10,08,000 |
| House Rent Allowance (HRA) | ₹42,000 | ₹5,04,000 |
| Special & Flexible Allowance Pool | ₹69,882 | ₹8,38,578 |
| Variable / Performance Bonus | ₹23,333 | ₹2,80,000 |
| Employee EPF Deduction (12%) | -₹10,080 | -₹1,20,960 |
| Professional Tax (PT) | -₹200 | -₹2,500 |
| Income Tax TDS (New Regime) | -₹35,224 | -₹4,22,690 |
| Employer EPF Contribution (Included in CTC) | ₹10,080 | ₹1,20,960 |
| Gratuity Provision (Statutory 15/26) | ₹4,039 | ₹48,462 |
AI Strategic Tax Optimization Playbook
Automated Analysis & Advisory Disclaimer
All document parsing, entity extraction, and equity compensation analyses execute 100% locally in your browser sandbox with zero network transmission. Extracted salary components, equity projections (RSU/ESOP perquisites), and tax optimization recommendations are algorithmic estimates and do not constitute chartered accounting or legal compensation advice.
Comprehensive Technical Guide & Reference
Paste your raw offer letter text, compensation email, or upload a payslip PDF to parse salary components, calculate take-home pay, and analyze equity vesting schedules.
11. Step-by-Step: How to Use the Copilot
Follow these simple steps to analyze your compensation package with complete privacy:
- •Input Offer Data: Paste compensation email text, tabular offer breakdown, or upload your payslip/offer letter PDF.
- •Automated Entity Extraction: The in-browser engine identifies Basic Pay, HRA, Special Allowances, Employer EPF, Gratuity provisions, and annual variable bonuses.
- •Configure Equity (RSUs / Stock Options): Enter stock unit counts, current FMV, currency (USD/INR), and 4-year vesting cliff percentages.
- •Compare Tax Regimes: Review in-hand monthly take-home pay side-by-side under the revised New Tax Regime (Section 115BAC) and Old Tax Regime.
- •Actionable Insights: Review tailored tax optimization recommendations and compensation negotiation talking points.
22. Technical Explanation: 100% Local In-Browser Processing
Compensation packages and payslips contain highly sensitive financial information. Our system uses in-browser WebAssembly regex tokenizers and PDF.js to parse documents directly in your browser's private memory sandbox.
- •Zero Cloud Storage: No compensation numbers, names, employer details, or text payloads are sent to remote servers.
- •Deterministic Parsing Rules: Employs specialized heuristics to differentiate between fixed cash gross earnings, employer statutory provisions, and non-guaranteed variable bonuses.
- •Currency & Forex Handling: Converts foreign equity values (such as USD RSUs) using real-time or custom exchange rate benchmarks.
33. Understanding Equity Compensation Taxation (RSUs & ESOPs)
Equity compensation involves dual tax events under the Indian Income Tax Act:
- •Stage 1 (Vesting / Exercise): Taxed as a Salary Perquisite under Section 17(2). Perquisite Value = (FMV on Vest Date - Exercise Price) × Number of Shares. Your employer withholds TDS on this perquisite value.
- •Stage 2 (Sale of Shares): Taxed as Capital Gains upon subsequent sale. Capital Gain = Sale Price - FMV on Vest Date. Holding period determines Short-Term (STCG) vs Long-Term (LTCG) tax rates.
- •Foreign Equity Compliance: Foreign shares (e.g., US RSUs) must be declared in Schedule FA (Foreign Assets) in your annual Income Tax Return.
Frequently Asked Questions
No. All text parsing, PDF decoding, and compensation breakdowns are performed exclusively in your local browser runtime via WebAssembly and client-side JavaScript. Zero bytes of sensitive compensation data are sent to external databases.
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