What the offer is really worth

CTC is not what reaches your bank account. It holds your employer's own provident fund contribution, a gratuity you forfeit if you leave inside five years, and a variable bonus that may pay nothing. Put the offers in and see the money.

Offer 1

The salary

Take these straight off the offer letter.

Name this offerSo you can tell them apart. "Northwind" is enough.

CompanyOptional

RoleUsed to compare this offer against real reported salaries for the same role.

City

Fixed salary a yearEverything paid to you monthly, before deductions. Not CTC.

Basic pay, as a percent of fixed salaryIt is on the letter. It sets your provident fund, your gratuity and your rent exemption. Most employers use 40 to 50.

Bonuses and one-off money

Guaranteed bonus a year

Variable pay a year, at full target

First year only. These never repeat, so they are kept out of the monthly figure.

Joining bonus

Relocation

Notice buyout paid for me

Provident fund and gratuity

Leave these blank and we derive them from your basic pay the way most employers do.

Employer's provident fund a yearLeave blank to derive it as 12% of basic.

Gratuity booked into CTC a yearLeave blank to derive it as 4.81% of basic.

My provident fund is on the ₹15,000 statutory wage, not full basic

ESOPs

Options are not money until the company is bought, lists, or buys them back.

Number of options

Strike price per share

Valuation per share you were toldLeave blank if nobody gave you one. We will show the schedule and no value, rather than invent a number.

Only used for the old tax regime

Rent, 80C, insurance and NPS change nothing under the new regime. Fill them in and we will show you whether the old one still wins.

Rent you pay a yearZero if you pay none. There is no rent exemption without rent actually paid.

80C investments, besides your provident fund

80D health insurance premiums

NPS under 80CCD(1B)

Add your first offer

Base, bonus, provident fund, gratuity, ESOPs and the city — everything from the letter. We work out what actually reaches your account each month.

Your saved offers

Kept to your account so you can come back to a decision instead of making it at midnight.