Salary Offer Comparison & CTC Analyzer
Decompose Cost to Company (CTC) into real monthly bank take-home pay. Compare two offer letters side-by-side after EPF, gratuity, professional tax, and FY 2026-27 TDS.
🔒 100% private — no salary data or offer letters leave your browser. All calculations run locally in client RAM.
A Offer A Specification
Primary OfferB Offer B Specification
Statutory Deductions Config
Offer A delivers higher monthly bank take-home pay after accounting for all statutory deductions and income tax under FY 2026-27.
₹0
Annual Take-Home: ₹0| Component | Offer A | Offer B |
|---|---|---|
| Gross Salary (Annual) | ₹0 | ₹0 |
| Income Tax / TDS (Annual) | ₹0 | ₹0 |
| Employer EPF Contribution | ₹0 | ₹0 |
| Employee EPF Deduction | ₹0 | ₹0 |
| Gratuity Provision | ₹0 | ₹0 |
These components are listed in your CTC offer letter but do not enter your monthly bank account (Employer EPF, Gratuity, and Variable Pay):
🎯 Reverse Target CTC Estimator
Know your target monthly take-home? Calculate the exact CTC you need to negotiate for.
Salary Offer Comparison & CTC Analyzer: Master Your Real Take-Home Pay
A job offer letter specifies a single headline figure: Cost to Company (CTC). Yet, when your bank account receives its first monthly salary credit, the number is invariably lower than expected. A 12 Lakh CTC offer rarely translates to ₹1,00,000 in monthly take-home pay. Instead, most employees see a bank deposit closer to ₹78,000 to ₹83,000 per month.
This discrepancy is not employer fraud or hidden payroll accounting. It is the fundamental nature of Cost to Company (CTC). CTC represents the aggregate annual financial cost an employer incurs to retain an employee. It includes direct cash components (Basic salary, House Rent Allowance, Special Allowance), statutory employer contributions (Employer Provident Fund, ESIC), long-term deferred benefits (Gratuity accrual, retrenchment provisions), and variable bonuses that may or may not vest based on company metrics.
The result is a structural gap between headline compensation and actual liquid purchasing power. When evaluating a career switch or comparing competing job offers, relying on headline CTC leads to poor financial planning, distorted budget expectations, and negotiation regret. We built the TheVantix Salary Offer Comparison & CTC Analyzer to solve this immediate problem: giving you instant, private clarity on your real monthly bank take-home without sending your personal financial data to any server.
Decomposing Cost to Company (CTC) into Real Monthly Take-Home Pay
To calculate your exact monthly take-home pay from a CTC offer letter, you must understand the multi-tiered breakdown that separates total cost from liquid cash:
1. Fixed Base Salary & The 50% Wage Code Rule
Basic salary forms the core foundation of your compensation package. Under current Indian labor code frameworks, Basic salary plus Dearness Allowance (DA) must constitute at least 50% of your total CTC. This rule prevents employers from keeping Basic salary artificially low to minimize statutory contribution liabilities. However, because Basic salary is the baseline for Provident Fund (EPF) and Gratuity calculations, a higher Basic salary increases statutory retirement savings while slightly reducing immediate monthly take-home pay.
2. House Rent Allowance (HRA) & Special Allowances
House Rent Allowance (HRA) is typically set at 40% to 50% of Basic salary depending on whether you reside in a metro (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad) or non-metro location. Under the Old Tax Regime, HRA offers partial tax exemption based on actual rent paid. Under the default New Tax Regime for FY 2026-27, HRA is fully taxable as part of gross earnings.
3. Gross Salary Calculation Formula
Gross salary represents your earnings before employee-side payroll deductions:
4. Net Monthly In-Hand Salary Formula
Your final monthly bank credit is computed by deducting employee-side statutory contributions and income tax (TDS) from Gross salary:
FY 2026-27 Income Tax Engine — New Regime vs Old Regime Slabs
Taxation is the largest single deduction between Gross salary and net monthly take-home pay. For Financial Year 2026-27 (Assessment Year 2027-28), the Government of India maintains the New Tax Regime as the default tax framework:
New Tax Regime Slabs (FY 2026-27 Default)
- • Up to ₹4,00,000: Nil (0%)
- • ₹4,00,001 to ₹8,00,000: 5%
- • ₹8,00,001 to ₹12,00,000: 10%
- • ₹12,00,001 to ₹16,00,000: 15%
- • ₹16,00,001 to ₹20,00,000: 20%
- • ₹20,00,001 to ₹24,00,000: 25%
- • Above ₹24,00,000: 30%
Standard Deduction: ₹75,000. Sec 87A rebate gives 100% tax rebate if taxable income ≤ ₹12,00,000!
Old Tax Regime (Section 80C Opt-in)
Includes ₹50,000 Standard Deduction + up to ₹1,50,000 Section 80C exemption (EPF, PPF, ELSS).
Tax rebate u/s 87A applies for taxable income up to ₹5,00,000. The calculator evaluates both regimes simultaneously to show which choice yields higher bank take-home cash.
Side-by-Side Job Offer Comparison Engine
Choosing between two competing job offers is rarely a simple choice between two numbers. Offer letter structures vary dramatically across technology, finance, consulting, and corporate roles.
Our comparison engine evaluates both offer structures simultaneously, displays side-by-side breakdown tables, calculates exact monthly and annual take-home differences, and generates an automated Decision Intelligence Recommendation Card ("🏆 Offer A pays ₹11,400/month MORE take-home than Offer B").
Frequently Asked Questions (FAQ)
What is the exact formula for converting CTC to Monthly In-Hand Salary in India?
Monthly In-Hand Salary = [Annual CTC − Employer EPF (12% Basic) − Gratuity Accrual (4.81% Basic) − Employee EPF (12% Basic) − Professional Tax (₹2,500/yr) − Income Tax TDS] ÷ 12.
What is the main difference between CTC, Gross Salary, and Net Salary?
Cost to Company (CTC) is the total financial expense of the employer. Gross Salary is CTC minus employer retirement contributions (Employer EPF & Gratuity). Net Salary (In-Hand) is Gross Salary minus employee deductions (Employee EPF, Professional Tax, and Income Tax TDS).
How much TDS is deducted for a ₹12 Lakh CTC under New Tax Regime FY 2026-27?
Zero (₹0) TDS. Under FY 2026-27 New Tax Regime rules, a ₹12 Lakh salary receives a ₹75,000 Standard Deduction, leaving ₹11,25,000 taxable income. Because taxable income is below ₹12,00,000, Section 87A provides a full 100% tax rebate.
Does TheVantix store or track user salary data?
No. TheVantix operates under a strict Zero-Server Storage policy. 100% of calculations execute locally within your client browser RAM via JavaScript. No salary figures, employer names, or user data are stored, logged, or transmitted to any server.
Why Job Seekers & HR Professionals Trust This Tool
Unlike generic calculators that bury you in complicated tax jargon, our Salary Offer Comparison & CTC Analyzer is built for speed, privacy, and decision clarity. By instantly separating fixed base pay, statutory retirement savings, TDS obligations, and offer letter differences, you gain complete control over your career choices.
Run every offer through the tool before signing your employment contract, revisit it during annual appraisals, and make informed career switches based on real numbers.