Job Offer Comparison

Two offers? Compare real in-hand pay, not just CTC

Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026

How to use: Enter the annual CTC of both offers — we compare the real after-tax take-home.

Example₹15L vs ₹18L CTC → see the true monthly in-hand gap after tax

Offer A — annual CTC

₹

Offer B — annual CTC

₹

Compares after-tax take-home (new regime, FY 2026-27 — ₹75,000 standard deduction + §87A rebate). Excludes PF and perks, which vary by employer — so also weigh benefits, growth, and work-life.

Offer B takes home more

₹1,16,875

₹16,875 more / month

₹16,875

CTC gap on paper

₹3,00,000

Offer A

₹1,00,000/mo

CTC: ₹12,00,000
Tax / yr: ₹0
In hand / yr: ₹12,00,000

Offer B

₹1,16,875/mo

CTC: ₹15,00,000
Tax / yr: ₹97,500
In hand / yr: ₹14,02,500

How it works

A job offer is easy to judge by the CTC on the letter — but CTC includes things you never see as cash, and income tax takes a different bite at different salary levels. What actually matters is in-hand pay: what lands in your account each month.

This tool takes two offers, applies the new-regime FY 2026-27 income tax to each, and shows the real monthly and annual take-home side by side — plus which offer leaves you richer. At higher salaries a bigger CTC can turn into a surprisingly small in-hand gap once tax is applied.

It excludes PF, gratuity and perks (which vary by employer), so treat the result as your financial baseline and weigh benefits, growth and work-life alongside it.

Method & sources

In-hand pay is derived from the new-regime income tax for FY 2026-27 (AY 2026-27) — the ₹75,000 standard deduction, the revised slabs, the Section 87A rebate (nil tax up to ₹12 lakh taxable income) and 4% health & education cess — as specified in the Income Tax Act and notified by the Income Tax Department, Government of India. PF, gratuity and perks vary by employer and are excluded.

What this doesn't cover

Benefit valuations (ESOPs, insurance) are estimates.
Cost-of-living by location and growth trajectory aren't fully modelled.

Frequently asked

Why compare in-hand instead of CTC?: CTC is what a company promises; in-hand is what reaches your bank. Two offers with different CTCs can be much closer after income tax — and the higher CTC isn't always the higher paycheck. This tool compares after-tax take-home so you compare like for like.
How is the in-hand figure calculated?: It applies the new-regime income tax for FY 2026-27 (AY 2027-28) — the ₹75,000 standard deduction, the slab rates, the §87A (section 156 of the new Income-tax Act, 2025) rebate (nil tax up to ₹12 lakh taxable) and 4% cess — to each CTC, then shows the resulting monthly and annual take-home.
Does it include PF, gratuity or perks?: No — those vary by employer (PF is usually 12% of basic; perks like insurance, meals and cab differ). We keep the tax figure exact and leave those out. When two offers are close, weigh the benefits, ESOPs, growth and work-life separately.
Both offers under ₹12 lakh show the same tax — why?: Under the new regime, taxable income up to ₹12 lakh pays zero income tax (the §87A rebate). So below ~₹12.75 lakh gross, both offers are tax-free and the higher CTC simply wins by the full difference. The tax gap only opens up at higher salaries.
Should I always take the higher in-hand offer?: Not necessarily. In-hand is one big factor, but growth, role, learning, manager, ESOPs, work-life and job security matter too. Use the number as your financial baseline, then decide with the full picture.

Related tools

All Money Decisions tools →

Loading…