Why compare offers on in-hand pay, not CTC?
CTC is a marketing number. It includes employer PF, gratuity and variable pay you may never fully receive. Two offers with the same CTC can differ by ₹5,000–₹15,000 a month in what reaches your account. This tool converts every offer into monthly in-hand salary using the same tax engine as our salary calculator.
Remember cost of living
A higher salary in an expensive city can leave you with less. That's why the comparison subtracts rent and other monthly costs to show money left each month — the number that actually builds your wealth.
How joining bonus and ESOPs are treated
The joining bonus and annual ESOP value are taxed at your marginal slab rate and shown after tax. ESOPs are paper value until you can sell, so treat them with healthy scepticism, especially at startups.
Frequently asked questions
Is the variable pay guaranteed?
No. By default this tool assumes you earn 100% of the variable pay. Lower “Variable pay you actually get” under Assumptions to see a conservative case.
Does the surplus include yearly raises?
Yes. Each offer’s pay rises by the yearly raise you enter, and your rent and other costs rise with inflation. Tax is recalculated every year, so a bigger raise can move you into a higher slab.
Which tax regime is used?
For each offer the regime with the higher take-home is applied automatically.