How to use this Salary Comparison calculator
Comparing two job offers on headline CTC is one of the most common — and most expensive — mistakes in salary negotiation. A bigger package with a different structure, more variable pay or higher deductions can leave you with less actual cash each month.
This tool computes the estimated monthly in-hand for both offers using the same payroll logic, so you can compare what truly matters: the money that reaches your account.
Compare in-hand, not CTC
Two offers with identical CTC can produce different take-home pay depending on basic-pay ratio, variable component and deductions. This tool levels the field by converting both to monthly in-hand.
It also highlights the difference between the two so you can quantify the gap rather than guess at it.
Watch the variable component
A high variable or performance-linked portion makes the CTC look attractive but is not guaranteed. Offers with more fixed pay deliver steadier monthly cash.
Enter each offer's bonus separately to see how much of the package is dependable income versus at-risk pay.
Beyond the numbers
In-hand pay is decisive, but weigh it against benefits this calculator cannot price: insurance cover, stock options, learning budgets, work flexibility and career trajectory.
Use the in-hand difference as the financial anchor, then layer the non-cash factors on top.