Offer vs Counter-Offer Evaluator
Compare the outside offer with the counter-offer over a multi-year horizon instead of getting stuck on the first-year headline.
Problem
A counter-offer can look emotionally easier, but the economics often depend on growth, city, and recurring costs.
Promise
Compare an outside offer against a retention proposal using post-tax pay, growth, and city-cost drag.
Trust note
No login. The estimate runs in the browser and keeps the assumptions visible.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Outside offer
Counter-offer
Context
Main answer
₹9,54,183
The outside offer comes out ahead by about ₹9,54,183 over 3 years.
Both options include post-tax salary, annual benefits, benchmark city costs, and the commute drag you entered.
External offer
₹49.5L
3-year cumulative modeled savings.
Counter-offer
₹39.9L
3-year cumulative modeled savings.
Decision gap
₹9,54,183
Difference between the two options across the full horizon.
Horizon
3 years
Shorter horizons make one-time perks matter more.
Cumulative savings by option
External city
Pune
Benchmark city used for the outside offer.
Counter city
Bengaluru
Benchmark city used for the counter-offer.
Growth spread
5.0%
Annual growth advantage of the external offer over the counter.
How to read this tool
This is a planning model, not a final quote. Use it to understand the direction and size of the trade-off before committing.
Adjust the inputs to test optimistic and conservative scenarios instead of relying on one default answer.
Why the result leans this way
Growth assumptions compound quickly
Even a small annual growth difference can overtake a first-year compensation gap in a short number of years.
Recurring cost drag is easy to underestimate
City costs and commute drag repeat every month, so they deserve as much attention as the headline package.
Assumptions and sources
Planning scope
This tool is meant for scenario planning. Quotes, taxes, policy terms, and personal preferences can change the final decision.
Effective from 2026-04-01
Benchmarks
Benchmark-driven tools use the static datasets shipped with the repo so assumptions stay versioned and reviewable.
Effective from 2026-03-01
Salary model
The tool uses the repo's new-regime salary engine for consistency across both options.
Effective from 2026-04-01
Frequently asked questions
Why compare more than the first year?
Because growth, city costs, and recurring commute drag can outweigh a small first-year compensation difference.
How should I use the offer vs counter-offer evaluator result?
Run it with conservative and aggressive assumptions. If the conclusion survives both cases, the decision is usually more robust.
What can change the real outcome?
Taxes, policy rules, employer terms, personal behavior, and financing costs can all move the final result away from the estimate.
Related tools
These tools sit next to the same decision so you can go one level deeper without restarting from scratch.
Job Offer Analyzer
Compare current role versus a new offer using post-tax income, city costs, commute, and growth.
Promotion vs Job Switch Planner
Compare an internal promotion against an external switch using savings, growth, and switch friction.
Remote vs Onsite Offer Comparator
Compare remote and onsite roles using pay, city cost, commute, and home-office overhead.