Free calculators · India · FY 2026-27
Compare two job offers (in-hand, not CTC)
A higher CTC isn't always more money each month. Compare what two offers really pay.
The comparison
Offer B pays ₹17,343 more a month
Counting variable pay and joining bonus, Offer B gives ₹2,08,116 more in the first year.
| Item | Offer A | Offer B |
|---|---|---|
| CTC | ₹12,00,000 | ₹15,00,000 |
| In hand a month | ₹93,792 | ₹1,11,135 |
| In hand a year (fixed) | ₹11,25,504 | ₹13,33,620 |
| Variable pay after tax | ₹0 | ₹0 |
| Joining bonus | ₹0 | ₹0 |
| First-year cash | ₹11,25,504 | ₹13,33,620 |
| PF and NPS a year | ₹72,000 | ₹72,000 |
Pay isn't everything: compare the notice period, work mode, growth and how stable the variable pay really is.
How it's worked out
Each offer goes through the in-hand calculator: CTC minus your employer's PF, NPS and gratuity, then your PF, professional tax and income tax spread over 12 months.
First-year cash adds the variable pay after tax and any joining bonus. A joining bonus is usually taxed too, and often has to be paid back if you leave within a year.
PF and NPS are savings, not take-home: we show them separately so a higher-savings offer isn't mistaken for a lower-paying one.
Rules and sources
Uses the rules for FY 2026-27 (income-tax slabs, PF ceiling and interest, gratuity, HRA cities), last checked on 10 November 2026. We update them when a Budget or notification changes them.
- Income Tax Department: slabs, rebate and deductions
- EPFO: PF wage ceiling (₹25,000 from 17 Sep 2026)
- EPFO: contribution rates and interest
- Ministry of Labour: the Labour Codes (gratuity)
These are estimates for salaried people below 60, not tax advice. Your payslip can differ: employers structure pay differently, and professional tax has lower slabs we don't show. Check big decisions with your employer's HR or a tax adviser.
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