# Financial Planning for High Earners in India > Financial planning for high earners in India: directors and CXOs on INR 5 lakh to INR 25 lakh+ a month, with surcharge, idle cash and advice that's paid by you. Source: https://trykosh.com/for/high-income-professionals Kosh for senior professionals and executives # A private CFO for senior professionals and executives At INR 5 lakh to INR 25 lakh a month, the problem isn't saving. It's that salary, bonus, stock, rent and gains arrive from five directions, the surcharge lines decide more than any deduction, and most people offering help are paid by the products they sell. Kosh works only for you. ## What gets in the way ### Surcharge nobody planned for A bonus, a vest or a property sale tips income past INR 50 lakh or INR 1 crore, and the surcharge applies to the whole tax for the year. ### Advice that's really distribution The bank's wealth desk suggests insurance, regular plans and structured products. The fee is in the product, not on an invoice. ### Lakhs idle every month Pay lands faster than anyone decides what to do with it. Savings balances grow and lose value to inflation, while the interest is taxed at your top rate. ### Income from five places Salary, bonus, stock, rent and capital gains each have their own tax rules and dates. Advance tax and AIS mismatches follow. ### Cover that hasn't kept up Term insurance bought a decade ago doesn't match today's loans and lifestyle, and health cover still depends on the employer. ## What Kosh does about it ### One view of everything Upload statements from every bank and card. Kosh sorts each transaction into income, spending, EMIs, investments and transfers, and merges overlaps. ### Tax under both regimes, with the surcharge lines Kosh works out your tax from real pay, rent and investments and shows how far you are from each surcharge threshold. ### A plan for the surplus Emergency fund sized to your actual lifestyle, insurance matched to net worth, and each goal turned into a monthly amount. ### Never paid by a product Kosh earns only from your subscription. It never takes commissions, never sells your data and never names a fund or insurer. ### Deadlines handled Email reminders before advance-tax dates, card dues, premiums and renewals, plus a short Sunday digest. ## Free tools for senior professionals and executives [Free tool**Surcharge calculator**For incomes above INR 50 lakh: see your surcharge band, how much marginal relief saves you at the threshold, and your total tax with cess.](/tools/surcharge-calculator)[Free tool**Old vs new regime calculator**Find out which regime leaves you more money this year, and exactly how many more rupees of deductions the old regime would need to catch up.](/tools/old-vs-new-tax-regime-calculator)[Free tool**NPS tax benefit calculator**NPS is one of the few tax breaks left in the new regime. See what your employer's contribution and your own INR 50,000 save under each regime.](/tools/nps-tax-benefit-calculator)[Free tool**Tax on INR 50 lakh salary**A INR 50 lakh salary pays INR 10,99,800 in the new regime and stays just under the surcharge line. Go above it and a 10% surcharge kicks in.](/tools/income-tax-on-50-lakh-salary)[Free tool**Capital gains tax calculator**Pick the asset, enter the purchase and sale dates and prices, and Kosh tells you whether the gain is short-term or long-term and works out the tax under the FY 2026-27 rules.](/tools/capital-gains-tax-calculator)[Free tool**Net worth calculator**Your net worth is everything you own minus everything you owe. Fill in the assets and loans Indian households usually hold to see the number, how it is spread and how much of it you could actually use.](/tools/net-worth-calculator)[Free tool**Term insurance calculator**A term policy should leave your family able to live as they do now, clear the loans and still fund the big goals. This calculator works out that amount from your own numbers instead of a rough multiple of salary.](/tools/term-insurance-calculator)[Free tool**Retirement calculator**Find out how big a retirement corpus your lifestyle needs and what you must invest each month to get there. The calculator inflates today's expenses, funds them for every year of retirement, and credits the savings you already have.](/tools/retirement-calculator) ## A CFO for senior professionals and executives. Upload a statement and Kosh maps your money, works out your tax and tells you the one thing to fix first. Free to start. [Start free](/signup?via=for-high-income-professionals) ## Where tax is decided at this income Above INR 50 lakh of taxable income, a 10% surcharge applies to your whole tax; above INR 1 crore, 15%; above INR 2 crore, 25% in the new regime. A INR 60 lakh salary pays **INR 15,52,980** in the new regime, an effective 25.9%, and a INR 1.2 crore salary pays INR 37,76,370. Marginal relief means the income just above each line is the most expensive you earn, and the cheapest to remove. Employer NPS up to 14% of basic is the biggest lever left in the new regime. On a INR 55 lakh salary with INR 27.5 lakh basic, routing INR 3.85 lakh into NPS cuts tax by **INR 2,16,580**, because it brings taxable income back to the surcharge line. Large HRA together with home-loan interest can make the old regime cheaper; a INR 60 lakh earner paying Mumbai rent with a home loan elsewhere can save over INR 4 lakh. See [how to save tax on a high salary](/learn/how-to-save-tax-on-high-salary) for the worked cases and the [surcharge calculator](/tools/surcharge-calculator) for yours. ## Wealth, in order 1. **Emergency fund sized to your life:** six to twelve months of what the household really costs, school fees and parents' support included. 2. **Term and health insurance matched to net worth,** reviewed as loans fall and investments grow. 3. **Idle cash moved on a schedule** to the goal it belongs to. 4. **An allocation by goal and horizon,** counting EPF, PPF and NPS as part of the stable side. 5. **Concentration checked:** employer stock, a second property or one business shouldn't be most of what you own. 6. **Nominees and a will** on everything. The [wealth planning guide](/learn/wealth-planning-for-high-earners-india) covers each step. If you hold shares abroad, read [tax on US stocks](/learn/tax-on-us-stocks-india) for LRS, TCS and Schedule FA. **Where Kosh stops** Kosh is not a SEBI-registered investment adviser, a CA or a portfolio manager. It doesn't manage money, file returns or handle notices. It's the CFO layer that tells you what your numbers say and what to do next, alongside the CA or adviser you choose. [Free tool**Surcharge calculator**For incomes above INR 50 lakh: see your surcharge band, how much marginal relief saves you at the threshold, and your total tax with cess.](/tools/surcharge-calculator)[Free tool**Old vs new regime calculator**Find out which regime leaves you more money this year, and exactly how many more rupees of deductions the old regime would need to catch up.](/tools/old-vs-new-tax-regime-calculator)[Free tool**NPS tax benefit calculator**NPS is one of the few tax breaks left in the new regime. See what your employer's contribution and your own INR 50,000 save under each regime.](/tools/nps-tax-benefit-calculator)[Free tool**Net worth calculator**Your net worth is everything you own minus everything you owe. Fill in the assets and loans Indian households usually hold to see the number, how it is spread and how much of it you could actually use.](/tools/net-worth-calculator)[Free tool**Term insurance calculator**A term policy should leave your family able to live as they do now, clear the loans and still fund the big goals. This calculator works out that amount from your own numbers instead of a rough multiple of salary.](/tools/term-insurance-calculator) ## Frequently asked questions What should financial planning look like for a high earner in India? Size an emergency fund to your actual lifestyle, match term and health insurance to your net worth and loans, move idle cash to goals on a schedule, invest by goal horizon, and keep any one company or property from dominating your net worth. On tax, focus on the regime choice, employer NPS and the surcharge thresholds. At what income does surcharge apply? When taxable income exceeds INR 50 lakh (10% of tax), INR 1 crore (15%) and INR 2 crore (25%). The old regime also has a 37% rate above INR 5 crore. Surcharge on capital gains and dividends is capped at 15%, and marginal relief applies at each threshold. Is Kosh a wealth manager? No. Kosh doesn't hold or manage your money, take commissions or sell products. It is an AI CFO that reads your statements, works out tax and goals from your numbers and tells you the next step. You invest through whichever platform or adviser you choose. Is my data safe with Kosh? Kosh never asks for bank logins, OTPs or card numbers and cannot move money. You upload statements yourself, and Kosh never sells your data. How much does Kosh cost? You can start free with one statement a month, a money summary, your top recommendation and 10 questions a month. Pro costs INR 2,000 a month or INR 19,999 a year, starting with a free seven-day trial, and you can cancel anytime. General information for planning, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.