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Job Offer Comparison Calculator India

Compare up to three offers on post-tax in-hand pay, with expected variable pay, provident fund, employer benefits, work costs and joining bonus.

Written and reviewed by RupeeKit Editorial TeamLast reviewed 31 July 2026Report a correction
Illustration of two job offer cards side by side with a VS badge representing an offer comparison
Illustration of two job offer cards side by side with a VS badge representing an offer comparison

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

CTC is not comparable across employers

Two offers at the same CTC pay differently because basic pay is a different share of each, and provident fund is a percentage of basic. Every offer below is run through the same income-tax calculation, so the figures compared are post-tax rather than headline.

Shared tax assumptions

One set of assumptions is applied to every offer. Varying them per offer would compare tax positions rather than the offers themselves.

Offer A

Offer B

On ongoing-year net cash

Offer B leads by ₹70,303 a year

That is ₹5,859 a month against the next best offer, after tax, provident fund, benefits and work costs.

Post-tax comparison of each offer for an ongoing year
Ongoing yearOffer AOffer B
Taxable salaryFixed pay plus expected variable₹16,40,000₹17,90,000
Income taxIncluding 4% cess₹1,07,060 (6.5%)₹1,35,316 (7.6%)
In-hand payAfter tax, PF and professional tax₹13,73,100₹15,23,404
Net cash valueIn-hand plus benefits minus work costs₹13,53,100₹14,23,404
Per month₹1,12,758₹1,18,617
Retirement savingEmployee plus employer PF₹1,57,440₹1,28,880
Total economic valueNet cash plus retirement saving₹15,10,540₹15,52,284
Year one onlyNet cash including the post-tax joining bonus₹14,37,500₹14,23,404

What this model assumes

  • Benefits you enter are valued by you and are not taxed through payroll. Taxable perquisites should be added to fixed pay instead.
  • The joining bonus is taxed as salary but carries no provident fund, so it is added to year one only.
  • Employee provident fund is deducted from in-hand pay but counted in total economic value, because it remains yours.
  • Surcharge on income above ₹50 lakh and HRA exemption are not modelled. Educational estimate only.

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Job Offer Comparison Calculator India Quick Answer

Quick Answer

How does the Job Offer Comparison Calculator India work? It estimates Offer A first-year value, Offer B first-year value, and Offer B minus Offer A from inputs such as Offer A fixed pay, Offer A variable pay, and Offer A expected payout using the formula shown on this page.

Formula

Converts variable pay into expected value, runs each offer through the same India income-tax calculation for the selected financial year and regime, then adds benefits and subtracts recurring work costs.

Example

A higher CTC can lose once uncertain variable pay, commuting costs and a lower basic-pay percentage are taken into account.

Educational estimate only. RupeeKit does not provide personalized financial, tax, legal, investment, or loan advice.

Answer Engine Summary

This calculator estimates Offer A first-year value, Offer B first-year value, Offer B minus Offer A, and Expected monthly difference using Offer A fixed pay, Offer A variable pay, Offer A expected payout, and Offer A benefits. Converts variable pay into expected value, runs each offer through the same India income-tax calculation for the selected financial year and regime, then adds benefits and subtracts recurring work costs. Results are educational estimates only and should be verified with official records, lender statements, payroll data, or filing utilities where applicable.

Formula used

Converts variable pay into expected value, runs each offer through the same India income-tax calculation for the selected financial year and regime, then adds benefits and subtracts recurring work costs. Provident fund is reported separately because it reduces in-hand pay but remains the employee's money.

Example calculation

A higher CTC can lose once uncertain variable pay, commuting costs and a lower basic-pay percentage are taken into account.

Source and methodology

Last reviewed: July 2026

This calculator uses the formula and assumptions described on this page. Converts variable pay into expected value, runs each offer through the same India income-tax calculation for the selected financial year and regime, then adds benefits and subtracts recurring work costs. Values are calculated in-browser from user-entered inputs and are not saved by default. Verify tax, regulatory, lender, scheme or product rules with the relevant official source where applicable.

Educational estimate only. RupeeKit does not provide personalized financial, investment, legal, tax or loan advice.

Related calculators and guides

You can cross-check this estimate using: salary in-hand calculator, Old vs New Tax Regime Calculator, 80C deduction calculator, EMI calculator, ITR-2 filing guide, emergency fund guide.

When this tool is useful

  • When you want a fast estimate before making a financial or salary decision.
  • When you want to compare different assumptions in seconds.
  • When you want to understand the formula behind the result.

Calculator Facts

TopicRupeeKit explanation
Calculation typeFormula-based educational estimate from user-entered values
Key inputsOffer A fixed pay, Offer A variable pay, and Offer A expected payout
Primary outputsOffer A first-year value, Offer B first-year value, and Offer B minus Offer A
Method referenceConverts variable pay into expected value, runs each offer through the same India income-tax calculation for the selected financial year and regime, then adds benefits and subtracts recurring work costs.
PrivacyValues are processed in the browser and are not saved by default.

FAQs

Does this compare offers after income tax?

Yes. Each offer is run through the same income-tax calculation for the financial year and regime you select, so the figures compared are in-hand rather than headline CTC. HRA exemption and surcharge above Rs 50 lakh are not modelled.

How should I estimate the payout chance for variable pay?

Use your own or peers' historical payout track record at each company rather than the maximum advertised bonus.

Why does the offer with more in-hand pay sometimes lose on total value?

A higher basic-pay percentage means more provident fund is deducted from your salary and matched by the employer. That lowers monthly cash but raises retirement saving, which is still your money, so the calculator reports both.

Is the joining bonus counted every year?

No. It is taxed as salary but carries no provident fund, so it is shown only in the year-one row. The ongoing-year comparison excludes it.