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Compare two offers, pick the real winner.

Side-by-side take-home math for two competing offers. Both regimes computed, joining bonus and RSUs amortized over 3 years, winner chip highlights the actual delta.

The higher CTC isn't always the better offer. Variable pay, joining bonus, stock vesting, city and tax regime all change your real monthly in-hand. This tool puts two job offers side by side, computes take-home under the better regime for each, amortizes bonuses and RSUs over 3 years, and shows the true winner. Just one offer on the table? Score its quality →
Offer A
Deductions not applicable in new regime
Enter CTC to see in-hand →
Offer B
Deductions not applicable in new regime
Enter CTC to see in-hand →
Calculations based on FY 2026-27 tax rules under the Income Tax Act, 2025 (effective April 1, 2026). Slabs are unchanged from FY 2025-26 per Budget 2026. Professional tax rates vary by state. Estimates do not include LTA, food coupons, or insurance deductions. Consult a CA for tax planning.

How to compare two job offers

Higher CTC doesn't always mean higher in-hand. Variable pay, stock vesting, joining bonus, city tier and tax regime all shift the real number. Enter both offers, and this calculator splits each CTC into base / HRA / variable, picks the better regime (old vs new), and reports the monthly take-home delta plus 3-year total value.

The winner chip below the two panels shows the actual monthly in-hand difference and annualized gap, so you can negotiate from a position of clarity rather than a headline CTC number.

Frequently asked questions

Which job offer should I accept?
Compare monthly in-hand pay (not headline CTC), total 3-year value including bonus and stock, and non-pay factors like notice period and flexibility. This tool quantifies the take-home and 3-year value for you.
Does a higher CTC mean higher take-home?
Not always. Variable pay, tax regime and city all change your monthly in-hand, so a higher CTC can deliver less take-home than a lower one.

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Compare Two Job Offers India 2026 — Take-Home, Tax & 3-Year Value | ClearRound