Assumptions
- India tax logic is a simplified FY 2026-27 salaried-individual model.
- New-regime marginal relief is modeled in simplified form; surcharge, special-rate incomes, and state-specific details are not fully modeled.
- Verify current rules with a qualified tax advisor before filing or choosing a regime.
Formula Used
Guaranteed = take-home from fixed pay + post-tax joining bonus + insurance value - commute cost
Every figure is annual and post-tax so the two offers are comparable. Variable pay is added separately, taxed on top of fixed pay and the joining bonus so no two components claim the same slab headroom twice.
Example comparison
- Enter each offer's fixed CTC and target variable pay.
- Add any joining bonus, employer insurance value, and expected commute cost.
- Compare the guaranteed figures first, then check how far apart they are if all variable pays out.
Common Mistakes and Limitations
Common mistakes
- Treating an estimate as a guaranteed outcome.
- Ignoring fees, taxes, penalties, or changing rates.
- Using annual and monthly rates interchangeably.
- Forgetting that a calculator is only as reliable as the inputs entered.
Limitations
- The rule may be too simple for complex financial situations.
- It does not replace personalized advice from a qualified professional.
- Real results can change because of taxes, fees, rates, inflation, and behavior.
Full guide
How to use this calculator well
Open for inputs, methodology, useful cases, and deeper educational notes.
What is Job Offer Comparison Calculator?
Job Offer Comparison Calculator answers a specific salary question without opening a spreadsheet. Enter offer a — fixed annual ctc, offer a — target variable pay, offer a — joining bonus and offer a — annual insurance value, review the estimate as you type, and open the formula block to see how the result is produced.
It uses INR defaults, Indian number formatting, and India-specific assumptions where relevant.
Inputs explained
Basic salary as % of CTC
The share of your annual CTC treated as basic salary. Supported range: 0 to 100.
Why it matters: Basic drives PF, gratuity and the HRA exemption limit, so it changes take-home more than most people expect.
Check your salary breakup or offer letter — commonly 40-50% of CTC.
Use this when
You want a quick planning estimate before comparing detailed options.
This answers
Settle the money question between two offers so you can weigh everything else clearly.
Example situation
Enter each offer's fixed CTC and target variable pay. Add any joining bonus, employer insurance value, and expected commute cost. Compare the guaranteed figures first, then check how far apart they are if all variable pays out.
Do not use this for
The rule may be too simple for complex financial situations.
Why this matters
Settle the money question between two offers so you can weigh everything else clearly.
Offers are compared on the headline number, which is the part most likely to include money that is not guaranteed.
When this tool is useful
- You want a quick planning estimate before comparing detailed options.
- You need a simple way to explain the decision to yourself or a family member.
Sources and review notes
Source links are provided for methodology and rule checking. Always verify live tax or lender rules before making decisions.
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IndiaFAQ
What is a job offer comparison calculator?
A job offer comparison calculator estimates the guaranteed post-tax value of two competing offers from the inputs you provide. It shows the formula and the assumptions so you can check the working, rather than predicting a guaranteed outcome.
Are the results guaranteed?
No. The results are estimates based on the stated formula, your input values, and the assumptions listed on this page. Interest rates, tax rules, market returns, and inflation all change.
Why does this rank offers on guaranteed pay rather than total CTC?
Because a package total that assumes every rupee of variable pay lands flatters whichever offer loads more of its number into a bonus, which is exactly the offer where you carry the risk. The guaranteed figure is what you can budget against; the full figure is shown beside it so you can see the range.
Why is employer PF listed separately instead of counted as income?
Employer PF is real value, but it does not reach your account this year and cannot be spent. Adding it to take-home makes an offer look larger than it lives, so it is reported on its own line.
What should I ask about the variable component?
What it actually paid out over the last two years, whether it is company-wide or individual, and whether it is pro-rated in your first year. A target that has never fully paid is not the same as pay.
Does this decide which offer to take?
No. It settles the money question so you can spend your attention on the parts that usually matter more — the role, the manager, what you will learn, how stable the company is, and how the commute affects your life.