Salary Difference Calculator India — Compare Two Offers Side by Side
Enter two CTC figures. See the gross difference, the real in-hand difference after standard deductions, and the percentage uplift — instantly. Download Excel.
| Metric | Offer A | Offer B | Difference |
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How to Compare Two Salary Offers Correctly
Comparing two CTC figures directly overstates or understates the real difference, because CTC bundles components that don't all convert to take-home cash the same way — employer PF contribution, gratuity provision, and certain insurance premiums sit inside CTC but never reach your bank account. A ₹3 lakh CTC gap between two offers can shrink to a ₹1.5–2 lakh real in-hand gap once both offers' deduction structures get applied.
Deduction rate varies by CTC level due to India's progressive tax slabs — a jump from ₹12 lakh to ₹15 lakh CTC typically pushes a larger share of the increase into a higher tax bracket, meaning the marginal in-hand gain on the raise itself runs lower than the average deduction rate across the whole salary would suggest. This calculator uses a flat deduction rate per offer as an approximation; for an exact marginal-rate breakdown, model both CTCs through a full payroll/tax calculator separately.
Beyond the number itself, a higher-CTC offer with a longer commute, lower job security, or no remote flexibility doesn't automatically "win" — but having the precise in-hand difference removes one variable from the decision, so the remaining tradeoffs (role, growth, stability, location) can get evaluated on their own terms rather than blended into a fuzzy sense of "it pays more."