Compare your offer with your current salary
A new offer is only better if more money reaches your account. Put your current package and the new one side by side to see both monthly take-home figures, the real rise after tax, and whether the bigger number on the offer letter survives contact with the tax slabs.
Your current job
12 lakh
The new offer
16 lakh
Extra in your account every month
+₹20,166
₹88,276 a month becomes ₹1,08,442
CTC change
+₹5,00,000
41.7% on paper
Take-home change
32.3%
What you actually feel
Extra tax
₹1,11,917
A year
You keep
68%
Of the extra CTC
Your CTC rises 41.7%, but your take-home rises 32.3%. Of the ₹5,00,000 added to the package, you keep ₹3,41,987 a year. The rest goes to tax and provident fund.
| Current job | New offer | |
|---|---|---|
| Total package | ₹12,00,000 | ₹17,00,000 |
| Monthly in-hand | ₹88,276 | ₹1,08,442 |
| Annual take-home | ₹10,59,312 | ₹14,01,299 |
| Income tax a year | ₹0 | ₹1,11,917 |
| Effective tax rate | 0% | 7% |
What to check before you accept
- How much is fixed. A package that leans on variable pay pays you less every month, whatever the headline says.
- What sits inside the CTC. Employer provident fund and gratuity are real money, but they do not arrive in your monthly pay.
- Which state you will be taxed in. Karnataka, Maharashtra and West Bengal levy professional tax. Delhi, Uttar Pradesh and Haryana do not.
- Your marginal rate. Above 24 lakh of taxable income every extra rupee is taxed at 30% plus cess, so a large hike delivers proportionally less.
Common questions
- How do I compare two job offers in India?
- Compare take-home pay, not CTC. Two packages with the same CTC can leave different amounts in your account, because the split between basic pay, allowances and employer contributions differs, and professional tax varies by state. Put both packages into the calculator above and compare the monthly figures.
- Can a higher CTC mean less money in hand?
- Yes. A higher CTC loaded with employer provident fund, gratuity and variable pay can deliver less monthly cash than a lower CTC that is mostly fixed salary. Moving to a state with professional tax when your current state has none also costs you up to 2,500 rupees a year.
- Should I count variable pay when comparing offers?
- Count it, but separately. Variable pay is taxed like the rest of your salary, yet it usually arrives once a year and depends on performance, so it should not be treated as monthly income. The calculator keeps it out of the monthly figure and includes it in the annual one.
- What hike should I ask for when switching jobs?
- Work backwards from take-home rather than CTC. Decide what you want your monthly pay to be, then check what CTC delivers it. Because tax is progressive, the higher your current salary the larger the CTC rise needed to move your monthly number.
Both sides use the same assumptions: basic pay at 40% of CTC, employer PF and gratuity inside the CTC, and whichever tax regime costs less. Rules reviewed 20 August 2026.