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Offer CTC & In-Hand Comparator

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India FY 2024–25 New Tax Regime

Offer Letter CTC & In-Hand Cash Comparator

Compare two job offers side-by-side. Cut through confusing CTC structures to uncover real monthly take-home salary, variable pay realization, statutory deductions, and 4-year ESOP wealth upside.

Quick Scenarios:

Offer B delivers higher monthly liquidity

Offer B puts more net cash into your bank account each month after EPF, Professional Tax, and Income Tax deductions.

+₹0/mo
Offer Option A
₹
₹
₹
₹
Monthly Take-Home In-Hand ₹-- Net cash deposited in bank every month
Annual Fixed Take-Home ₹--
Year 1 Total Realized Cash ₹--
4-Year Total Compensation ₹--
Annual Tax & Statutory Breakdown
Standard Deduction -₹75,000
EPF (Employee PF) -₹21,600
Professional Tax (PT) -₹2,400
Income Tax (New Regime) ₹--
Offer Option B
₹
₹
₹
₹
Monthly Take-Home In-Hand ₹-- Net cash deposited in bank every month
Annual Fixed Take-Home ₹--
Year 1 Total Realized Cash ₹--
4-Year Total Compensation ₹--
Annual Tax & Statutory Breakdown
Standard Deduction -₹75,000
EPF (Employee PF) -₹21,600
Professional Tax (PT) -₹2,400
Income Tax (New Regime) ₹--
India Tax Architecture Note: Calculations apply standard New Tax Regime (Section 115BAC) for FY 2024–25 with enhanced Standard Deduction of ₹75,000, Section 87A tax rebate up to ₹7,00,000 taxable income, standard Employee Provident Fund (12% of capped basic ₹15,000/mo = ₹21,600/yr), Professional Tax of ₹2,400/yr, and 4% Health & Education cess. ESOPs assume 25% annual vesting.
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