Offer Comparison Tool
Compare two job offers on the numbers that actually matter — in-hand pay, tax, PF, cost of living in each city, and how the gap changes over a multi-year projection.
Advanced options
Advanced options
Offer B gives more in-hand
9.5% more than Offer A — after tax, PF, and professional tax, using new regime for Offer A and new regime for Offer B (auto-picked).
| Data Point | Offer A | Offer B |
|---|---|---|
| Annual CTC | ₹18,00,000 | ₹20,00,000 |
| Tax regime used | New | New |
| Basic Pay (monthly) | ₹60,000 | ₹66,667 |
| HRA (monthly) | ₹30,000 | ₹33,333 |
| Special Allowance (monthly) | ₹53,662 | ₹59,763 |
| Employer PF (monthly) | ₹3,452 | ₹3,697 |
| Employee PF (monthly) | ₹7,200 | ₹8,000 |
| Gratuity (monthly, reserved) | ₹2,886 | ₹3,207 |
| Gross Salary (monthly) | ₹1,43,662 | ₹1,59,763 |
| Income Tax (monthly) | ₹11,248 | ₹14,597 |
| Professional Tax (monthly) | ₹0 | ₹0 |
| In-Hand (monthly) | ₹1,25,214 | ₹1,37,166 |
| In-Hand (annual) | ₹15,02,564 | ₹16,45,988 |
| Take-home % of CTC | 83.5% | 82.3% |
| Annual retirement contribution (PF+Gratuity+NPS) | ₹76,056 | ₹82,844 |
Cost of Living & Disposable Income
Offer A — Bengaluru
Offer B — Hyderabad
Adjusted for cost of living: Offer B's ₹20 L CTC in Hyderabad feels roughly like ₹16 LPA would in Bengaluru.
5-Year In-Hand Projection
Projects each offer's own expected annual hike (10% for Offer A, 10% for Offer B) applied to in-hand pay each year. A simplification — real hikes change salary structure too — but useful for spotting whether a lower starting offer with better hikes catches up.
| Year | Offer A (annual) | Offer B (annual) |
|---|---|---|
| Year 1 | ₹15,02,564 | ₹16,45,988 |
| Year 2 | ₹16,52,820 | ₹18,10,587 |
| Year 3 | ₹18,18,102 | ₹19,91,645 |
| Year 4 | ₹19,99,913 | ₹21,90,810 |
| Year 5 | ₹21,99,904 | ₹24,09,891 |
This compares pay, tax, and cost-of-living factors only. It doesn't account for role scope, growth trajectory, company stability, work culture, or non-cash perks — weigh those alongside the numbers, not instead of them.
Frequently Asked Questions
How does this compare two offers fairly if they're in different cities?
Beyond just comparing in-hand pay, the tool adjusts for each city's cost-of-living index and shows disposable income after typical 1BHK rent — so a higher number in an expensive city can be fairly weighed against a lower number somewhere cheaper.
Why does the tax regime matter in this comparison?
The same CTC can produce meaningfully different in-hand pay depending on whether the old or new tax regime is better for your deduction profile. By default this tool auto-picks whichever regime gives you more in-hand for each offer — you can override this manually if you already know which regime you'll use.
Why include a multi-year projection instead of just comparing today's numbers?
A lower offer with a stronger annual hike culture can overtake a higher offer with slower raises within a few years. The projection applies each offer's own expected hike rate to show how the gap changes over time — useful when one company is known for aggressive appraisals and another isn't.
What doesn't this tool account for?
Role scope, career growth, company stability, work culture, ESOPs/stock, and other non-cash perks aren't part of this comparison — it's deliberately scoped to pay, tax, and cost-of-living factors, which are the parts that are actually calculable. Weigh the rest separately.