How To Read Your Payslip, Finally
Your payslip has three different numbers — CTC, gross, and net — and only one of them is what you can actually spend. Here's how to read all three so your budget matches reality, not your offer letter.
You signed for ₹8 lakh a year, but your account shows ₹58,000 a month — not ₹66,666. That gap feels like betrayal, but it's just how salary structures work.
CTC includes employer EPF, gratuity, and insurance — money that's 'yours' on paper but never touches your bank. On an ₹8 lakh CTC, EPF alone can take out ₹1,800–₹2,400 a month before tax even applies.
Add professional tax (~₹200) and TDS, and gross salary itself is already 10–15% less than CTC.
Once you see where every rupee of your CTC goes, your payslip stops feeling confusing — it starts feeling like a map.
Grow with clarity 🌱
Assets. Liabilities. Insurance. Connected across 650+ secure sources. No spreadsheets. No screenshots. No manual tracking. A few minutes to your full NetWorth in one place.
Bank balances, mutual funds, stocks, EPF, NPS, PPF, fixed deposits, gold, real estate.
Credit cards, loans, and EMIs — organized so you never miss a payment.
Health, life, motor, and general policies organized and ready when you need them.
No CSVs. No screenshots. No passwords shared.
Just a few taps, the Account Aggregator framework and FOLO's NetWorth APIs doing the heavy lifting.
Verify your number, pick your accounts, and approve consent through a SEBI & RBI-authorised Account Aggregator. Read-only. Revocable at any time.
FOLO pulls balances, holdings, EMIs, EPF, NPS from 650+ sources today, and counting. FOLO reconciles this into one true NetWorth number.
See the magic number. Watch it grow. Share a snapshot with your spouse, parent, or planner without sharing any login.
FOLO is registered with SEBI and uses the RBI-supervised Account Aggregator framework — read-only, revocable, regulated.
Held to the same standards as your bank. Audited, regulated, accountable.
The official, way to share financial data read-only and revocable. You never share a password. We never see one.
Your data is locked end-to-end, AES-256 when stored, TLS 1.3 in motion. Even we can't read it.
You own it. Always. Revoke consent in one tap. Export your data, or delete it, whenever you want.
No ads. No data brokers. We earn from FOLO's features, not from misuse of your data.
Made in Bengaluru and Mumbai. Hosted in India. Governed by Indian law.
Real stories from real families. The alternative was a excel file somewhere.
Money used to feel overwhelming. But with FOLO, I actually enjoy managing it — no stress, no confusion. It feels great to be in control of my finances.
Riya
28, First Jobber
FOLO has been a game-changer for me. It helps me manage all my assets and liabilities — mutual funds, bank accounts, fixed deposits, insurance, stocks, payments, credit cards, loans, and more.
Aditya Desai
42, CA
I wasn't too sure about using technology for finances. But FOLO is different. Its simple design and clear insights give me confidence and peace of mind about my future.
Suresh Mehta
56, Retired
Before, my husband and I struggled to stay on the same page about money. Now it's effortless, transparent, and secure. FOLO helps us track expenses, plan savings, and stick to our budget effortlessly.
Neha Sharma
42, Homemaker
I was always so busy earning that I never had time to organise my finances. It felt complicated, and I'd quit before even starting. FOLO changed that. I love its real-time updates — they keep me informed at all times.
Rahul Verma
45, Entrepreneur
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