Specific Context

A 20 LPA vs 30 LPA salary comparison is not just a subtraction between ₹20,00,000 and ₹30,00,000. Indian offer letters can put very different things inside CTC: employer PF, gratuity, insurance premium, food cards, joining bonus, retention bonus, ESOPs, and variable pay. This page pre-fills Offer A at 20 LPA and Offer B at 30 LPA with typical new-regime, metro, Maharashtra, 40% basic salary assumptions so you can see an immediate in-hand comparison before editing the structure. At this range, offer letters often include larger variable pay, ESOPs, joining bonuses, and benefits. The headline CTC can mislead unless you compare fixed cash, likely bonus, tax regime, and the timing of one-time payouts. Use the comparison table to focus on monthly in-hand, annual in-hand, PF contribution, tax deducted, and total deductions rather than the headline package. If the higher offer has a large performance bonus, reduce it with the variable-pay what-if slider and check whether it still wins. If one employer includes stock options, treat those as upside, not rent-money. A practical decision at this level should also include role quality, manager, commute, notice period, growth path, and whether the fixed cash is enough for your monthly obligations. Also check timing: a joining bonus may arrive once, variable pay may arrive quarterly or annually, and stock may vest over years with cliff rules. A higher offer can feel weaker if the extra money is delayed while the current expenses are monthly. The calculator is best used before accepting a job switch, negotiating a counter-offer, or asking HR for a cleaner salary breakup.

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