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Compare up to three job offers on what they are actually worth after tax. Fixed pay, variable pay, stock, joining bonus and city rent all run through the same tax engine, so the winner is decided on post-tax value rather than headline CTC.
Step 1
Add each offer
Fixed CTC, expected variable pay, annual stock value and any joining bonus, for up to three offers side by side.
Step 2
Set the city and rent
Rent and metro status are per offer, since relocating changes both your costs and your possible HRA exemption.
Step 3
Compare post-tax value
Every offer runs through the same tax engine, so you are comparing what actually reaches you rather than headline numbers.
Best post-tax value: Offer B
₹18,15,488
₹99,624 monthly salary credit · rank #1
Offer A#2
₹16,07,103
₹1,18,925 monthly credit
Offer BBest value
₹18,15,488
₹99,624 monthly credit
A headline CTC comparison is misleading because the components are taxed differently and rent varies by city. Each offer is therefore rebuilt from the ground up and compared on post-tax value.
Post-tax value = (Fixed + Variable + Stock) − PF − Professional tax − Income tax + BenefitsGuaranteed CTC
The part you can count on. Basic, HRA, PF and gratuity are derived from this.
Expected variable pay
A percentage of fixed CTC. It is taxable in full, and it is the component most likely not to arrive as promised.
Annual RSU or ESOP value
Taxable as a perquisite when it vests, valued at the market price on the vesting date.
Non-taxable annual value
Insurance cover and similar perks, counted toward total value but not toward taxable income.
The offer with the highest CTC often loses. A large variable component, a non-metro posting with lower rent, or a package weighted toward stock can all change the ranking once tax is applied — which is exactly why the comparison is run post-tax.
Variable pay and PF treatment can reverse a “higher CTC” letter in year one. Align tax regime and professional tax on both sides. Tax year is labelled on the page.
Answers about the offer comparison calculator.
Continue exploring adjacent tools in this topic.
Guides that explain the ideas behind these numbers.
Cost-to-company is an employer’s cost. Take-home is a bank credit. Gross sits in between. Mixing the three is how offer letters get misread.
Being "in the 20% bracket" does not mean 20% of your income goes in tax. Confusing the rate on your next rupee with the rate on all of them leads people to fear raises, overvalue deductions and misjudge what they actually earn.
These figures are estimates based on the values and assumptions you enter. Market returns are not guaranteed. Tax, brokerage and other rules can change. Finaura is an educational tool, not personalised financial, tax, investment or legal advice. Confirm important decisions with the relevant institution or a qualified professional.