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How we compare these offers

Last updated 2026-07-04

Data source. Deterministic engine only (no market benchmark call)

When estimates are used. This calculator is estimate-only — every ranked figure is a deterministic computation from the offers you enter and public tax rules. No employer or market data is looked up.

Disclaimer. This calculator provides an estimate and should not be treated as payroll, tax, or career advice.

Assumptions

New tax regime, FY 2026-27, applied to every offer identically
Standard deduction ₹75,000
Section 87A rebate up to ₹60,000 for taxable income ≤ ₹12L, with marginal relief above
Employer / employee PF 12% of basic, capped at ₹15,000 basic per month
Professional tax flat ₹2,400 per year (state-average)
Variable pay treated as target amount, added to year-one total only
Joining bonus treated as one-time, added to year-one total only

Limitations

Old regime is not supported yet — every offer must be compared under the new regime.
Variable pay is not modelled as marginal-slab TDS — the calculator surfaces it separately, not blended into monthly.
Non-cash benefits (insurance, meals, ESOPs, LTA, learning budget) are not modelled.
Cost-of-living differences between cities are not modelled — a coming-soon feature.
Deferred joining bonuses, retention clauses, and clawbacks are not modelled.

Methodology

Every offer is passed through the same deterministic take-home engine as the CTC and In-Hand calculators. There is no separate offer-tax logic — that is deliberate, so the three calculators can never disagree with each other. The engine works in integer paise so nothing is lost to floating-point drift; the display rounds to whole rupees purely for readability.

Ranking is by monthly take-home under the new tax regime for FY 2026-27, with ties broken by year-one total (net annual + annual variable + one-time joining bonus). The runner-up defines the winner's advantage in ₹/month and in year-one total. When any non-winning offer is within 5% of the winner on monthly take-home, that offer is flagged as a close race — the signal to compare on non-money factors.

Variable pay is added into year-one total as-is (target value) and is not taxed separately in the recurring monthly figure, because employer-specific payout timing and TDS treatment vary. Joining bonus is included in year-one total but excluded from the recurring monthly recommendation. The Why-this-offer-wins reasons are all direct traces of the engine output — never inferred. If the supporting data is unavailable, the reason is omitted rather than guessed.

Worked examples

Close race — same CTC, different structure
Offer A: ₹14L CTC, 40% basic, no variable, no joining bonus. Offer B: ₹14L CTC, 45% basic, ₹1L variable, ₹50K joining bonus. Monthly take-home is nearly identical — Offer B is within 5% and gets flagged as a close race. Year-one total favours B by ~₹1.5L thanks to the variable and joining bonus, but the recurring recommendation is close enough that culture and growth should decide.
Clear winner — same CTC, different city HRA and NPS
Offer A: ₹18L, metro, employer NPS 10% of basic. Offer B: ₹18L, non-metro, no NPS. Under the new regime, HRA treatment is symmetric — the difference is dominated by NPS: Offer A's employer NPS reduces gross cash but is tax-exempt under the ₹14% cap, so monthly take-home differs by ~₹4–5K. The calculator picks the higher-cash offer.
Year-one flip
Offer A: ₹22L CTC, no bonuses. Offer B: ₹20L CTC + ₹3L joining bonus. Monthly take-home favours A. Year-one total favours B. Because we recommend on monthly, the recurring winner is A — but the calculator surfaces the year-one gap so you can weigh the one-time boost consciously.

Glossary

Financial Recommendation: The offer that produces the highest estimated monthly take-home. Not a career recommendation.
Monthly Advantage: The gap between the winner's monthly take-home and the runner-up's, expressed in ₹/month.
Year-One Advantage: Winner's year-one total (net annual + variable + joining bonus) minus the runner-up's, in ₹.
Close Race: Any non-winning offer within 5% of the winner on monthly take-home. Signal to decide on non-money factors.
Variable Pay: A target payout tied to company / individual performance. Not guaranteed. Added to year-one total, not to monthly.
Joining Bonus: One-time payment on joining. Added to year-one total; explicitly excluded from monthly recommendation.
Basic Salary %: Basic as a fraction of CTC. Drives PF contribution; higher basic = less monthly cash, more retirement corpus.
Employer NPS: Employer contribution to National Pension System, exempt up to 14% of basic under the new regime.

Offer Comparison Calculator (India) — Compare Job Offers Side by Side

Frequently asked questions

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Frequently asked questions

How do I compare two job offers in India?

Which offer has the higher take-home if the CTC is the same?

Should I take the higher CTC or the higher fixed pay?

How much does joining bonus really add?

What does close race mean in the recommendation?

Is variable pay guaranteed?

Which tax regime does this comparison use?

Can I compare more than two offers?

Is this a career recommendation?

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