Offer Comparison Calculator
Compare two job offers side by side. See which offer gives better in-hand salary after deductions and bonuses.
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* ਸਾਰੀਆਂ ਗਣਨਾਵਾਂ ਅਨੁਮਾਨਿਤ ਹਨ।
ਮਹੱਤਵਪੂਰਨ — ਫੈਸਲਾ ਲੈਣ ਤੋਂ ਪਹਿਲਾਂ ਪੜ੍ਹੋ
- CTC does not equal take-home salary — your in-hand pay can be 60-75% of the quoted CTC
- Bonuses are often variable and performance-dependent, so they may not be fully paid out every year
- PF contributions reduce your monthly take-home but build a significant retirement corpus over time
- Perks like food coupons, health insurance, and cab facilities differ widely and affect your actual expenses
- Work-life balance, team culture, and manager quality often matter more than a 10-15% salary difference
- Stock options (ESOPs) have vesting periods of 1-4 years and may not be worth anything if the company underperforms
- Location impacts cost of living — a ₹15L offer in Bangalore may stretch less than ₹12L in a tier-2 city
ਇਨ੍ਹਾਂ ਨੂੰ ਨਜ਼ਰਅੰਦਾਜ਼ ਕਰੋਗੇ ਤਾਂ ਕੀ ਹੋਵੇਗਾ?
- Choosing the higher CTC blindly without understanding the breakup can result in lower actual take-home
- Ignoring variable pay risk means you might budget for money that never arrives
- Not factoring in career growth, learning opportunities, and brand value can hurt your long-term earnings
- Overlooking benefits like insurance, wellness programs, and flexible work can cost you lakhs in out-of-pocket expenses
- Not negotiating when you have competing offers leaves money on the table — companies expect counter-offers
ਸਮਾਰਟ ਸੁਝਾਅ
- Compare in-hand (net) salary, not CTC — ask both companies for a detailed salary breakup before deciding
- Ask for the full compensation breakup including fixed pay, variable pay, PF, gratuity, insurance, and perks
- Factor in commute time, relocation costs, and rent differences if the offers are in different cities
- Consider learning opportunities, tech stack, team size, and role scope — these impact your next salary jump
- Use competing offers as leverage — share (tactfully) that you have another offer to negotiate better terms
ਅਕਸਰ ਪੁੱਛੇ ਜਾਣ ਵਾਲੇ ਸਵਾਲ
ਹੋਰ ਵਿੱਤੀ ਸਾਧਨ
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