Assumptions
- India tax logic is a simplified FY 2026-27 salaried-individual model.
- New-regime marginal relief is modeled in simplified form; surcharge, special-rate incomes, and state-specific details are not fully modeled.
- Verify current rules with a qualified tax advisor before filing or choosing a regime.
Formula Used
Guaranteed = take-home from fixed pay + post-tax joining bonus + insurance value - commute cost
Every figure is annual and post-tax so the two offers are comparable. Variable pay is added separately, taxed on top of fixed pay and the joining bonus so no two components claim the same slab headroom twice.
Example comparison
- Enter each offer's fixed CTC and target variable pay.
- Add any joining bonus, employer insurance value, and expected commute cost.
- Compare the guaranteed figures first, then check how far apart they are if all variable pays out.
Common Mistakes and Limitations
Common mistakes
- Treating an estimate as a guaranteed outcome.
- Ignoring fees, taxes, penalties, or changing rates.
- Using annual and monthly rates interchangeably.
- Forgetting that a calculator is only as reliable as the inputs entered.
Limitations
- The rule may be too simple for complex financial situations.
- It does not replace personalized advice from a qualified professional.
- Real results can change because of taxes, fees, rates, inflation, and behavior.
Full guide
How to use this calculator well
Open for inputs, methodology, useful cases, and deeper educational notes.
What is Job Offer Comparison Calculator?
Job Offer Comparison Calculator helps you answer a specific salary question without opening a spreadsheet. Enter offer a — fixed annual ctc, offer a — target variable pay, offer a — joining bonus and offer a — annual insurance value, review the instant estimate, and use the formula block to understand how the result is produced.
It uses INR defaults, Indian number formatting, and India-specific assumptions where relevant. The page is structured for both quick decisions and deeper review: calculator first, direct answer next, then assumptions, example calculation, common mistakes, FAQs, and related calculators in the same topic cluster.
Inputs explained
Offer A — fixed annual CTC
Enter the annual salary figure based on the salary structure you want to model. Supported range: 0 to 100,000,000.
Offer A — target variable pay
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer A — joining bonus
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer A — annual insurance value
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer A — monthly commute cost
Enter the salary input used by this calculator. Supported range: 0 to 200,000.
Offer B — fixed annual CTC
Enter the annual salary figure based on the salary structure you want to model. Supported range: 0 to 100,000,000.
Offer B — target variable pay
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer B — joining bonus
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer B — annual insurance value
Enter the salary input used by this calculator. Supported range: 0 to 100,000,000.
Offer B — monthly commute cost
Enter the salary input used by this calculator. Supported range: 0 to 200,000.
Basic salary as % of CTC
Enter the annual salary figure based on the salary structure you want to model. Supported range: 0 to 100.
Use this when
You want a quick planning estimate before comparing detailed options.
This answers
Settle the money question between two offers so you can weigh everything else clearly.
Example situation
Enter each offer's fixed CTC and target variable pay. Add any joining bonus, employer insurance value, and expected commute cost. Compare the guaranteed figures first, then check how far apart they are if all variable pays out.
Do not use this for
The rule may be too simple for complex financial situations.
Methodology
Monepoint separates formula logic from the page UI. The calculator validates non-negative inputs, applies the formula shown above, and returns a summary, result cards, and a chart or table where useful.
For regulated or tax-sensitive calculators, assumptions are centralized in configuration files so rates, slabs, and thresholds can be reviewed each financial year.
What this means
Settle the money question between two offers so you can weigh everything else clearly.
Use the result as a planning estimate, then stress-test it with lower returns, higher costs, or shorter timeframes before making a real decision.
When this tool is useful
- You want a quick planning estimate before comparing detailed options.
- You need a simple way to explain the decision to yourself or a family member.
- You are stress-testing a goal, budget, loan, or investment assumption.
Sources and review notes
Source links are provided for methodology and rule checking. Always verify live tax or lender rules before making decisions.
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FAQ
What is a job offer comparison calculator?
A job offer comparison calculator estimates the guaranteed post-tax value of two competing offers from the inputs you provide. It is designed to make the formula transparent, not to predict a guaranteed outcome.
Are the results guaranteed?
No. The results are estimates based on the stated formula, input values, and assumptions. Market returns, lender rules, tax rules, and inflation can change.
Can I use decimal values?
Yes. The calculator accepts decimal values for rates and most numeric inputs so you can model more precise assumptions.
Does Monepoint store my inputs?
No account is needed and the calculator runs in your browser. Analytics can be connected later through the abstraction layer without storing sensitive calculator inputs.
How often should I update the assumptions?
Review assumptions whenever interest rates, tax rules, inflation expectations, or your personal plan changes.
Why does this rank offers on guaranteed pay rather than total CTC?
Because a package total that assumes every rupee of variable pay lands flatters whichever offer loads more of its number into a bonus, which is exactly the offer where you carry the risk. The guaranteed figure is what you can budget against; the full figure is shown beside it so you can see the range.
Why is employer PF listed separately instead of counted as income?
Employer PF is real value, but it does not reach your account this year and cannot be spent. Adding it to take-home makes an offer look larger than it lives, so it is reported on its own line.
What should I ask about the variable component?
What it actually paid out over the last two years, whether it is company-wide or individual, and whether it is pro-rated in your first year. A target that has never fully paid is not the same as pay.
Does this decide which offer to take?
No. It settles the money question so you can spend your attention on the parts that usually matter more — the role, the manager, what you will learn, how stable the company is, and how the commute affects your life.