Salary Comparison Calculator
Compare two or three job offers on what actually reaches you: net pay after tax, benefits, hours, leave and work-related costs.
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| Metric | Offer A | Offer B |
|---|---|---|
| Gross cash compensation | ₹10,00,000 | ₹11,00,000 |
| Total benefits | ₹0 | ₹0 |
| Estimated tax | ₹2,00,000 | ₹2,20,000 |
| Estimated net pay | ₹8,00,000 | ₹8,80,000 |
| Work-related costs | ₹0 | ₹0 |
| Net after work costs | ₹8,00,000 | ₹8,80,000 |
| Effective hourly compensation | ₹416.67 | ₹407.41 |
Offer B provides approximately ₹6,667 more estimated monthly take-home pay (after work-related costs) under the assumptions entered. Benefits, hours and non-financial factors may matter as much as the net figure.
These estimates are for general planning only and are not payroll, tax, legal, accounting or financial advice. Actual take-home pay, deductions and tax obligations may differ.
Assumptions and conventions
- Net = gross cash × (1 − estimated tax rate) − deductions; work costs are monthly commute/home-office costs ×12; effective hourly = (net after costs + benefits) ÷ worked hours (paid leave reduces worked hours).
- Tax rates are your estimates per offer — no country rules are applied.
- Benefits are valued at the amounts you enter and are not taxed in this model.
- Values are calculated at full precision and rounded for display; columns may differ from totals by a small rounding amount.
Beyond the headline salary
A higher salary can be a worse deal after longer hours, an expensive commute, weaker benefits or less leave. Each offer here carries its own estimated tax rate, benefits, costs and schedule; the comparison reports estimated net pay after work-related costs and an effective hourly compensation figure that accounts for hours and paid leave.
Formula
Net = gross cash × (1 − estimated tax rate) − deductions. Net after costs subtracts annualised commute and home-office costs. Effective hourly compensation = (net after costs + benefits) ÷ worked hours, where paid leave reduces worked hours.
Assumptions
- Tax rates are your estimates per offer; benefits are valued at your entered amounts and not taxed in this model.
- No offer is labelled best — the table reports the differences and their drivers.
Content and formulas reviewed on 2026-08-06. See our methodology for how calculations are built and tested.
Worked example
Offer A: 10,00,000 at 40 hours. Offer B: 11,00,000 at 45 hours with a 2,000 monthly commute. At a 20% estimated rate, B nets about 56,000 more per year — but its effective hourly compensation is lower because of the extra 260 annual hours.
Frequently asked questions
Why compare effective hourly compensation?
Because time is part of the price. Dividing net-plus-benefits by actual worked hours makes a 45-hour offer comparable with a 40-hour one.
How should I value insurance and retirement benefits?
Use what you would pay for equivalent cover yourself, or the employer's stated contribution. Consistency between offers matters more than precision.
Which offer should I take?
The calculator reports which offer provides more estimated net pay under your assumptions — hours, growth, stability and enjoyment are yours to weigh.
These estimates are for general information only and are not financial, tax, legal, or investment advice. Rates, fees, and lending rules vary by lender and country. Actual costs and outcomes may differ from the projections shown.