Job Offer Comparison Calculator

Compare two job offers side by side — see the real in-hand difference after PF, tax, and deductions. Built for Indian freshers and working professionals evaluating multiple offers for FY 2025-26.

Offer 1

Offer 2

Frequently Asked Questions

How do I compare two job offers with different CTC structures?

Enter each offer's annual CTC, basic salary percentage, bonus component, and PF structure in the calculator above. The tool breaks down both offers into identical components (gross, PF, tax, in-hand) so you can compare apples to apples. A higher CTC doesn't always mean higher take-home — the structure matters.

Why does an offer with lower CTC sometimes give higher in-hand salary?

This happens due to differences in salary structure. A company with lower basic salary percentage (e.g., 30% vs 50%) deducts less PF, resulting in higher take-home pay. Similarly, a company that caps PF at ₹15,000 gives more in-hand than one with PF on full basic. Variable bonuses included in CTC also reduce your guaranteed monthly pay.

Should I consider only in-hand salary when choosing between offers?

No. While in-hand salary matters for monthly expenses, also consider: PF contribution (retirement savings), variable bonus likelihood, health insurance coverage, ESOPs/RSUs, learning opportunities, work-life balance, and career growth. Higher PF means lower in-hand but better long-term wealth. This calculator helps you quantify the salary difference so you can weigh other factors with clarity.

What's the difference between fixed CTC and variable CTC?

Fixed CTC is guaranteed — you receive it regardless of performance. Variable CTC (bonus, incentives) depends on individual/company performance and may not be paid in full. When comparing offers, focus on fixed CTC for reliable monthly income. Enter the bonus percentage in the "Bonus %" field to see its impact on your guaranteed monthly pay.

How does city of work affect which offer is better?

A ₹12 LPA offer in Pune may leave you with more savings than ₹15 LPA in Mumbai due to rent differences alone (₹20K vs ₹35K/month). Use the City Cost of Living section below the results to compare post-expense savings. Also, states differ in professional tax — Delhi charges zero while Maharashtra charges ₹2,500/year.

Can I compare offers from different tax regimes?

Yes! Each offer in this calculator has its own tax regime selector. You can set Offer 1 to "New Regime" and Offer 2 to "Old Regime" to see how regime choice affects each offer differently. This is useful when one offer has benefits that favor the old regime (like higher HRA) while the other doesn't.

How to Compare Two Job Offers in India

When you have multiple offers, comparing just CTC numbers is misleading. Two companies offering the same ₹10 LPA CTC can have very different take-home salaries based on:

  • Basic salary percentage — Higher basic = more PF deduction = lower take-home (but better retirement savings)
  • PF structure — Capped at ₹15,000 vs full basic changes your monthly pay by ₹3,000–₹10,000
  • Variable/bonus component — 10-20% variable means that portion isn't guaranteed monthly
  • Location — Professional tax varies by state; cost of living varies drastically by city
  • Tax regime choice — New regime works better for most freshers; old regime benefits those with investments

Offer Comparison: Quick Examples

ScenarioOffer AOffer BWinner
Same CTC, different basic₹10L, 50% basic₹10L, 35% basicB (higher in-hand)
Different CTC, same structure₹12L, 40% basic₹10L, 40% basicA (₹~12K/mo more)
Higher CTC with big variable₹14L, 20% bonus₹12L, 0% bonusB (guaranteed pay)
PF full vs capped₹10L, PF on full basic₹10L, PF capped ₹15KB (₹~4K/mo more in-hand)

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