One set of assumptions is applied to every offer. Varying them per offer would compare tax positions rather than the offers themselves.
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.
| Ongoing year | Offer A | Offer 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
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.
Share this calculator scenario
Educational estimate only
Compare up to three offers on post-tax in-hand pay, with expected variable pay, provident fund, employer benefits, work costs and joining bonus.
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
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.
A higher CTC can lose once uncertain variable pay, commuting costs and a lower basic-pay percentage are taken into account.
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.
Use your own or peers' historical payout track record at each company rather than the maximum advertised bonus.
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.
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.
