Job Offer Analyzer
Compare your current role against a new offer using post-tax pay, cost of living, commute drag, and three-year growth assumptions.
Problem
A higher CTC can still leave you with less real savings after location and commute changes.
Promise
Compare current role versus a new offer using post-tax income, city costs, commute, and growth.
Trust note
No login. Uses client-side salary estimates plus visible city benchmark assumptions.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Current role
New offer
Household profile
Main answer
₹14,35,327
The new offer looks stronger by about ₹14,35,327 over three years after tax, city costs, and relocation expenses.
Bengaluru versus Pune matters as much as the package difference in many switch decisions.
3-year savings delta
₹14,35,327
New offer minus current-role projected savings.
Current role year-1 savings
₹8.5L
Post-tax income less city costs and commute.
New role year-1 savings
₹11.8L
Relocation cost is deducted in the first year only.
Growth spread
4.0%
Annual salary growth assumption difference.
3-year cumulative savings
Current city benchmark cost
₹46,000
Monthly base cost assumption for Bengaluru.
New city benchmark cost
₹37,600
Monthly base cost assumption for Pune.
Relocation payback
4.4 months
How long the new offer takes to absorb one-time move costs.
How to read this tool
This tool is designed for the real question most people ask: not just which CTC is larger, but which choice leaves you better off after the city, commute, and transition costs are accounted for.
It uses the new regime salary engine by default for comparability. Use it as a decision aid, then validate the exact offer structure from the HR document.
Why the result leans this way
Offers win on more than CTC
Lower commute, better city economics, and faster growth can justify a move even when the salary jump looks modest on paper.
Where this model is conservative
It does not value career brand, role quality, or layoff risk. If those are large, they can override the pure money result.
Assumptions and sources
Salary model
Both roles are estimated using the new regime salary engine for consistency across offers.
Effective from 2026-04-01
City benchmark model
City costs are benchmark planning figures and should be adjusted when your housing standard materially differs from the local estimate.
Effective from 2026-03-01
Frequently asked questions
Why not compare only current and new CTC?
Because the meaningful difference often comes from tax, rent, commute, and salary growth, not the headline package alone.
Does the analyzer include city cost of living?
Yes. It applies a benchmark monthly household cost by city and household type, then adds your commute inputs on top.
How should I value benefits?
Only include benefits that change your real spending or savings, such as joining bonus, ESOP vesting already understood, relocation support, or insurance upgrades.
Related tools
These tools sit next to the same decision so you can go one level deeper without restarting from scratch.
CTC to In-Hand Salary Calculator
Estimate monthly in-hand pay, annual tax, and salary breakup under old and new regimes.
Tier 1 vs Tier 2 Cost Comparator
Compare city costs, monthly surplus, and annual savings when moving between Indian cities.
Home Office vs Commute Cost Calculator
Compare the monthly cost and time impact of going to the office versus working from home.