For employees
Know where your salary goes, and where it's taking you.
Neural Tax is a private money planner for salaried people. Two minutes a month turns your income and spending into a wellness score, a personal Freedom Number, a tax plan and one clear next step.
Invited by your employer? Open the link in your invite email instead. No bank linking, no PAN, and your employer never sees your numbers.
Sound familiar?
Earning well and feeling sure about money aren't the same thing. Most people were never shown how to connect the two.
Payday to month-end, it just goes
The salary lands, the EMIs, rent and UPI payments follow, and by the 25th you're not sure where it all went.
Old regime or new?
Every year the declaration form arrives, and every year it's a guess. Pick wrong and you pay more tax than you need to.
Am I actually on track?
You save something each month. Is it enough? For what? Nobody has ever shown you the number you're working toward.
Can I afford this EMI?
A car, a phone, a bigger flat. The bank says yes. What it does to your Safety Net and your future is another question.
One planner that answers all of it.
Every tool shares the same numbers, so your score, Freedom Number, tax plan and goals always agree with each other.
Two-minute monthly check-in
Income, spending, what you invested and your balances. Nothing linked, nothing pulled from a bank.
- Balances pre-fill from last month, so most months take two minutes
- Flags an unusual month (a car, a bonus) so it doesn't distort your trend
- Check in for each month once it ends, and edit or delete past months any time
- Income
- ₹1,45,000
- Spending
- ₹92,400
- Invested
- ₹30,000
- Savings rate
- 36.3%
Financial wellness score
One score out of 100 built from seven things that matter, each explained in plain words.
- Safety Net, health cover, life cover, savings rate, saving habit, progress and month-on-month change
- A streak that keeps counting and forgives one soft month in six
- Never a grade on you, always the next step
- Score
- 78 (Good)
- Safety Net
- 15 / 15
- Saving habit
- 5-month streak
- Getting better
- Both grew this month
Your Freedom Number
The amount that could cover your real spending without a salary, and how far along you are.
- Your estimated financial-freedom age, at today's prices
- Counts EPF/NPS and investments, not your emergency cash
- Reviewed every six months from your real spending
- Freedom Number
- ₹2.18 Cr
- Built today
- 31%
- Next milestone
- 50%
- Freedom age
- around 50
Can I afford this?
Test a purchase or an EMI against your own Safety Net and timeline before you commit.
- One-time costs measured in months of cover left
- EMIs show the dip in savings rate and when it recovers
- An honest trade-off, never a yes or no
- Savings rate
- 36% → 23%
- After the loan
- back to 36%
- Freedom timeline
- + about 11 months
- Verdict
- Noticeable
Tax planner, old vs new
Both regimes side by side for FY 2025-26 and Tax Year 2026-27, with the deductions you actually have.
- HRA, 80C, 80D, NPS, home-loan interest and the 87A rebate
- Shows unused room and the deductions you'd need to switch
- Balance against TDS so refunds aren't a surprise
- New regime
- ₹1,12,320
- Old regime
- ₹1,48,200
- Better choice
- New, saves ₹35,880
- TDS so far
- ₹74,000
Goals with real numbers
A home, a child's education, a trip: each goal's cost on its date and the monthly amount it needs.
- Expected return per goal, with guidance for nearer goals
- Planning figures, or money you confirm is set aside
- Record what you actually put toward each goal every month
- Target today
- ₹25,00,000
- By March 2031
- ₹33,45,000
- Monthly amount needed
- ₹38,900
- Progress
- 22%
Your employer pays. They never see your numbers.
Your plan is yours alone. Your company sees only team figures, and nothing at all for any group smaller than five people.
The employee's view
Their own plan, in full. Only they can see it.
- Every number they enter
- Their score, streak and Freedom Number
- Goals, tax plan, policies and documents
- Export or delete everything, any time
The employer's view
The team, never a person.
- Team averages and percentages
- How many people check in each month
- Trends over time, month by month
- A short digest by email each month
- Names and emails of people invited or asking to join, for managing seats
Never
- Anyone's income, spending, savings or score
- Who has or hasn't checked in
- Any figure for a group smaller than five
- Documents, goals, tax plans or policies
- Bank accounts or PAN (we never ask for them)
Two minutes a month.
From invite to a full picture in one sitting, then a quick check-in each month.
- 1
Join from a private invite
Your employer sends a personal link. Set a password and you're in. No shared codes, no HR forms.
- 2
Check in for last month
Income, spending, what you invested and your balances. About two minutes, with no bank linking.
- 3
See the whole picture
Your score, Freedom Number, tax position and one clear next step, the moment you save.
- 4
Come back each month
A reminder on the 2nd brings you back. Your streak, trends and plan grow with every check-in.
Two ways to get it.
Through your employer, free to you, or on your own from today. You can move from one to the other and keep everything.
Through your employer
If your company offers Neural Tax, it costs you nothing. Your employer pays for your seat and still never sees your numbers.
- Open the private link in your invite email and set a password
- Already on an individual plan? Ask to join with your company code
- Your history stays yours if you ever leave
On your own, today
Not offered at work yet? Start an individual plan for ₹169 a month, or ₹1,690 a year, plus GST. Diwali offer, instead of ₹199 a month.
- Every planner feature, from your first check-in
- Move to your employer's plan later with their company code
- Nothing you've entered is lost when you switch
Questions employees ask
What exactly can my employer see?
Only team-level figures: the share of people who checked in, the average savings rate, and the share with a Safety Net, health cover and life cover, plus trends. Nothing is ever shown for a group smaller than five. Your employer can see that you were invited and joined (your name and email, for managing seats), but never your numbers, score, goals, tax plan, policies or documents.
Do you connect to my bank or ask for my PAN?
No. You enter your own numbers once a month. There is no bank linking, no account aggregator and no PAN.
What is the Freedom Number?
An estimate of the savings and investments that could cover your real living costs without employment income: a year of your usual spending (from your last six normal months) divided by 4%, a commonly used yearly withdrawal rate. It's shown at today's prices and reviewed every six months, so one unusual month can't swing it. It's a direction, not a deadline, and not a guarantee.
What happens if I leave my employer?
Your account and history stay yours: every check-in, goal and document is kept, and your former employer stops counting you in their figures. To keep using the planner, start an individual plan from Plan and membership. Until then you can still sign in, download your data or join a new employer with their company code.
Is this financial advice?
No. Neural Tax gives you planning tools, clear numbers and education so your decisions are better informed. It doesn't recommend specific products, and for complex situations we suggest a SEBI-registered adviser or a chartered accountant.
Your salary, finally with a plan.
Your first check-in takes a few minutes. By the end of it you'll know your score, your Freedom Number and the one thing to do next.