Salary life and behaviour

The 1st to the 30th: cash flow, lifestyle creep, bonuses, appraisals and the monthly review.

CTC vs in hand salary: take home at ₹15, ₹25, ₹40 lakh

In hand salary is lower than CTC divided by 12 because CTC is everything your employer spends on you in a year, including its PF and a gratuity provision that are not paid out monthly. Your own PF…

4 min readUpdated Oct 2026

Your cash flow, net worth and goals, in one place

Dhi answers money questions from your own numbers.