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Job offer comparison calculator

Got two offers? Enter the CTC for each and see the real monthly take-home difference after income tax and EPF.

A

Offer A

₹
₹
Leave 0 if bonus is already included in CTC above
B

Offer B

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₹
Leave 0 if bonus is already included in CTC above
Breakdown Offer A Offer B
Enter CTC values above to compare

Why a higher CTC doesn't always mean more take-home

When you move to a higher CTC, the incremental income is taxed at your marginal slab rate — not a flat average. If Offer B is ₹3 lakh more than Offer A and your income crosses into the 20% or 25% slab, roughly ₹60,000–₹75,000 of that increment goes to income tax. Add 4% cess and higher EPF contributions (12% of a larger basic), and the actual take-home difference is noticeably smaller than the CTC gap.

This calculator shows you the real numbers so you can weigh salary against other factors like job role, growth, location, and stability with accurate data.

What this comparison includes

The comparison does not model HRA exemption, 80C investments, or other old-regime deductions — for that level of detail use our income tax calculator.

Frequently asked questions

How do I compare two job offers in India?
Enter the CTC for both offers above. The calculator computes gross salary (CTC minus employer EPF), deducts income tax under the regime you pick, employee EPF (12% of basic), and professional tax for your state. The result is the true monthly take-home for each offer — a fairer comparison than comparing CTCs.
Should I choose the offer with higher CTC?
Not always. A higher CTC pushes more income into higher tax slabs. The marginal gain in take-home from the extra CTC is always less than the face value of the difference. Use this calculator to see the real monthly gain, then weigh it against non-salary factors: job role, growth trajectory, company stability, work-life balance, and location.
Which tax regime should I use for comparing offers?
Select the regime you plan to actually use with the new employer. For most salaried employees without large deductions, the new regime gives higher take-home. If you have a home loan, large 80C investments, or significant HRA, check both — but in most scenarios the new regime wins at higher salaries.
What if the two offers are in different cities?
This calculator doesn't adjust for cost of living. A ₹5,000/month take-home advantage in Mumbai may be worth less than a ₹3,000/month advantage in Pune or Hyderabad after accounting for rent differences. Factor in the city's cost of living, especially rent, when making your final decision.

Disclaimer: For informational purposes only. Does not model HRA exemption, 80C deductions, surcharge above ₹50L, or employer NPS. Use the income tax calculator for a full deductions analysis. Consult a tax professional for personalised advice.