Salary Offer Comparison
CTC is the most misleading number in Indian compensation. This compares what each offer actually leaves you after tax under both regimes, after retirals, after what the move costs — and after the cost of living where you'd be spending it.
About you
Used to work out your tax under both regimes. Nothing leaves your browser — these numbers are never saved or sent anywhere.
Drives the HRA exemption, which only exists under the old regime. Zero is a valid answer.
Old regime only. Your own PF counts towards 80C. Clamped at ₹3,00,000.
Gratuity vests at 60 months. Leaving before then forfeits it — and switching restarts the clock, which is one of the biggest costs a CTC comparison hides.
Current job
Your current package. This is the baseline every offer is measured against.
Sets the cost-of-living lens, and the HRA metro test — only Delhi, Mumbai, Kolkata and Chennai count as metros for HRA, however large the city.
The most important number here — it drives PF, gratuity and your HRA exemption.
Special allowance, LTA and anything else fixed.
Variable pay, bonus and equity
Never assumed to be 100%. Use what this employer has actually paid out.
Retirals and growth
One of the few tax levers that survives under the new regime.
Offer A
Break the CTC into its parts — that's where two offers actually differ.
Sets the cost-of-living lens, and the HRA metro test — only Delhi, Mumbai, Kolkata and Chennai count as metros for HRA, however large the city.
The most important number here — it drives PF, gratuity and your HRA exemption.
Special allowance, LTA and anything else fixed.
Variable pay, bonus and equity
Never assumed to be 100%. Use what this employer has actually paid out.
Retirals and growth
One of the few tax levers that survives under the new regime.
What this move costs you
These are charged only to this offer, never to staying put — that's what makes the comparison fair.
Your comparison
Enter the basic salary on your current job and at least one offer to see how they really compare.