Offer comparison: which one actually leaves more money?
Indicative — in-hand uses standard CTC assumptions; living costs are typical shared-flat single-person averages
₹7 LPA in Bengaluru or ₹6 LPA in Hyderabad? The bigger number isn't automatically the better offer once rent enters the picture. Compare the monthly savings each offer really allows.
| Offer A in-hand / living cost | — |
| Offer B in-hand / living cost | — |
| Savings gap (B − A) | — |
In-hand assumes basic = 40% of CTC, employer PF and gratuity inside CTC, employee PF, professional tax and FY 2025-26 new-regime income tax — same math as our salary calculator. Living costs: typical shared-accommodation single-person monthly spend per city (indicative).
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Is the higher CTC always the better offer?
No — a ₹7 LPA offer in Mumbai can leave less in your pocket than ₹6 LPA in Hyderabad once rent and living costs are paid. Compare monthly savings potential (in-hand minus cost of living), then weigh the non-money factors: growth, tech stack, brand, and how easily the role leads to your next one.
What living costs does this assume?
A typical single fresher sharing a flat: rent share, food, transport, phone and basics. The numbers are indicative city averages — your lifestyle can move them 30% either way. Metro rents especially vary by locality.
What about variable pay and joining bonuses?
Enter only the fixed CTC for a fair comparison. Variable pay arrives quarterly/annually at 70–100% based on ratings; joining bonuses are one-time and often have clawbacks if you leave within a year. Neither pays your rent monthly.
Which non-money factors should break a tie?
In order: learning (tech stack and mentorship), the brand's weight on your next job switch, role type (development vs support), and city preference for family/language. A slightly poorer offer that teaches more is usually the richer offer within two years.