PayVerdict
Salary decision dashboard

Offer Verdict

Compare fixed pay, variable pay, bonuses, equity, tax, and real monthly gain before you accept.

Build your offer

Enter a few details to get your verdict.

Quick fill
1

Current salary

2

New offer

3

Switching costs

4

Optional settings

Private by default — your offer details stay in your browser.

★

Strong offer. Your monthly gain looks healthy.

Fixed pay improves meaningfully and the monthly gain looks strong under the selected assumptions.

OverallExcellent

Headline CTC hike

44.4%

Guaranteed pay hike

44.4%

Est. monthly gain

₹49,984

First-year net gain

₹8,00,000

CTC reality breakdown

New headline CTC₹26,00,000
Guaranteed pay fixed₹26,00,000
Variable pay target₹0
Joining bonus₹0
ESOP / RSU value₹0
Effective annual cash₹26,00,000

Your ₹26L CTC may not mean ₹26L guaranteed cash.

Fixed vs variable risk

100.0%fixed
Fixed pay100.0%
Variable pay0.0%

Low variable risk

A higher fixed pay share improves predictability and monthly stability.

Monthly in-hand comparison

Current monthly in-hand₹1,35,633
New monthly in-hand (est.)₹1,85,617
Monthly gain₹49,984
Percentage gain36.9%

Estimates after tax under selected regime.

First-year value

Recurring value

Guaranteed pay (fixed)₹26,00,000
Variable pay included₹0

One-time additions

Joining bonus₹0
ESOP / RSU value included₹0

Switching costs

Notice buyout cost₹0
Relocation cost₹0
First-year net gain₹8,00,000

Questions to ask HR

Clarify these before accepting the offer.

  • ?Is employer PF included in CTC?
  • ?Is gratuity included in CTC?

Red flag checker

A calm checklist of what looks fine and what deserves a quick HR follow-up.

Variable pay share looks manageableLooks fine
ESOP / RSU included in CTCLooks fine
Joining bonus needs clawback clarityLooks fine
Notice buyout cost existsLooks fine
Relocation cost existsLooks fine
Guaranteed hike much lower than headline hikeLooks fine
Fixed pay lower than current fixed payLooks fine

Assumptions

  • Old vs new tax regime is selected as per your input.
  • PF is estimated using a simple salary approximation.
  • Professional tax is not collected separately in this version.
  • Variable pay is included at target value when enabled.
  • If fixed pay is blank, it is inferred from CTC minus variable pay.
  • ESOP/RSU is not treated as guaranteed cash unless enabled.
  • This tool does not include capital gains, perquisites, or other income.

PayVerdict provides estimates for educational purposes only. Actual salary, tax, bonus payout, benefits, relocation, and in-hand pay may vary based on employer policy, tax rules, payroll structure, and personal circumstances.

FAQ

What is Offer Verdict?+

Offer Verdict helps compare current salary and a new offer using fixed pay, variable pay, bonuses, equity, switching costs, and estimated monthly gain.

How do I compare current salary and new offer?+

Start with annual CTC and fixed pay, then add variable pay, joining bonus, equity value, and one-time switching costs.

Why is first-year value more important than CTC?+

First-year value shows cash after variable pay, joining bonus, included equity, and switching costs.

Should I include variable pay in salary comparison?+

Include it if the payout is predictable. Turn it off when variable pay is uncertain or not guaranteed.

Does this include income tax?+

Yes, monthly in-hand uses PayVerdict's FY 2025-26 tax estimate under your selected regime.

Is this result exact?+

No. Employer payroll structure, tax declarations, benefits, and bonus payout can change the final number.