Job Offer CTC Comparator
Two offers, two CTCs, one question: which puts more money in your account every month? Compare take-home pay side by side for FY 2025-26.
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Offer A
Offer B
Offer B pays more in hand
+₹10,750/month
₹1,28,995 more a year in hand (12.2%), from a +₹2,00,000 CTC difference (16.7%).
| Per year | Offer A | Offer B | B − A |
|---|---|---|---|
| CTC | ₹12,00,000 | ₹14,00,000 | +₹2,00,000 |
| Gross salary | ₹11,19,312 | ₹12,82,330 | +₹1,63,018 |
| Income tax | ₹0 | ₹7,623 | +₹7,623 |
| Employee PF | ₹57,600 | ₹84,000 | +₹26,400 |
| Professional tax | ₹2,400 | ₹2,400 | — |
| Take-home (annual) | ₹10,59,312 | ₹11,88,307 | +₹1,28,995 |
| Take-home (monthly) | ₹88,276 | ₹99,026 | +₹10,750 |
| Retirement savings (PF + gratuity) | ₹1,38,288 | ₹2,01,670 | +₹63,382 |
Offer A: where the CTC goes
- Total₹12,00,000
Offer B: where the CTC goes
- Total₹14,00,000
How to Compare Two Job Offers
CTC (Cost to Company) is what an employer spends on you, not what you receive. Employer PF, gratuity and variable pay all sit inside it, so two offers with the same CTC can leave very different amounts in your bank account. This tool runs both packages through the same FY 2025-26 tax rules and shows the number that actually matters: monthly take-home.
Watch the variable pay. It's counted here as if paid in full. If Offer B's edge comes from a large bonus that depends on performance, the guaranteed gap may be smaller. A higher basic salary also means more PF (less in hand today, more saved for later) and higher gratuity.
Old Regime comparisons only count your employee PF under 80C. If you also claim HRA, 80D or home-loan interest, run each offer through the CTC to In-Hand Salary Calculator with those deductions.
FAQ
Frequently asked questions
Why can a higher CTC give a lower in-hand salary?
Because CTC includes money you don't receive every month: employer PF, gratuity and variable pay. An offer with a bigger CTC but a larger share in these components can pay less each month than a smaller, mostly fixed offer.
Should I compare CTC or in-hand salary between two offers?
Compare both. Monthly in-hand pay decides your budget, while PF and gratuity are real long-term savings. This comparator shows take-home and retirement savings side by side so you can weigh them.
Does a higher basic salary reduce take-home pay?
Usually a little, because PF is 12% of basic. But a higher basic also raises your HRA exemption limit under the old regime and increases gratuity, so it isn't purely a loss.
How is variable pay taxed?
Variable pay and bonuses are taxed as salary in the year you receive them, at your slab rate. Because they depend on performance, treat them as uncertain when comparing offers.
What else should I compare apart from salary?
Look at joining-bonus clawbacks, notice period, health insurance cover, ESOPs and their vesting schedule, leave policy and work location costs. These can outweigh a small salary difference.
Keep calculating
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