Compare Two Salary Offers Side-by-Side

Evaluate fixed vs variable compensation, retirement deductions, income tax withholdings, and real monthly in-hand take-home pay.

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Offer B
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Evaluating Compensation Advantage...

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Comparing fixed guaranteed in-hand cash, bonus risks, and tax withholdings across both offers.

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Job Offer A Job Offer B
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The Complete Job Offer Comparison Framework

01

Fixed Pay vs Variable Bonus: Why Higher CTC Can Mean Lower In-Hand Pay

Companies often advertise inflated CTC numbers by bundling 15%–30% variable performance bonuses or non-guaranteed retention bonuses. If Offer B has a ₹15 Lakh CTC with 20% variable pay, its guaranteed monthly in-hand is lower than Offer A offering ₹13.5 Lakh 100% fixed pay. Always prioritize guaranteed liquid base compensation.

02

Evaluating One-Time Joining & Relocation Bonuses

Joining bonuses boost your first-year liquid cash, but they are one-time payments that do not recur in Year 2 and usually come with a 1-year clawback clause if you leave early. Compute both Year 1 total cash and Year 2 recurring take-home pay before signing.

03

Employer EPF & Gratuity Nuances

Some companies cap employer EPF at ₹1,800/month (12% of ₹15,000 statutory basic wage limit), while others contribute 12% of your actual basic pay. Capped EPF results in higher immediate take-home pay, whereas full EPF builds a larger tax-free retirement corpus.

04

Tax Regime Optimization for New Job Offers (AY 2026-27)

Salaries up to ₹12.75 Lakh CTC enjoy zero income tax under the New Tax Regime (with ₹75,000 standard deduction and Section 87A rebate). For offers crossing ₹15 Lakh+, evaluate whether claiming HRA exemptions under the Old Regime provides higher net take-home savings.

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Offers frequently include significant variable performance bonuses (10% to 30%) or one-time joining bonuses in the CTC. Since variable pay is not paid monthly, the guaranteed monthly in-hand pay can be lower than an offer with lower CTC but 100% fixed base pay.

Companies capping employer EPF at ₹1,800/month (statutory limit on ₹15,000 basic) deliver higher monthly cash to employees, whereas companies deducting 12% across full basic build a larger tax-free retirement corpus but reduce monthly liquid cash.

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CTC vs In-Hand Salary

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