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Compare a 12 LPA Offer with a 14 LPA Offer That Has 4 Lakh Variable

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The short answer

At these levels tax starts to matter. The 12 LPA fixed offer leaves about ₹91,876 a month. The 14 LPA offer with 4 lakh variable leaves ₹74,889 to ₹1,02,843. The fixed part of offer B is only 10 lakh, so without the variable it pays ₹16,987 less.

I will type amounts in
Offer A

Paid only if targets are met. 0 if none.

Optional: rent, food and travel in that city.

Offer B

Paid only if targets are met. 0 if none.

Optional: rent, food and travel in that city.

Settings used for both offers

Offer A

₹91,876 in hand a month

CTC a year

₹12,00,000

Fixed pay only

₹91,876

In hand a year

₹11,02,512

Income tax a year

₹0

Offer B · leaves more

₹1,02,843 in hand a month

CTC a year

₹14,00,000

Fixed pay only

₹74,889

In hand a year

₹12,34,117

Income tax a year

₹64,547

If the variable pay is paid in full: Offer B leaves you ₹10,967 more every month than Offer A.
If you get only the fixed pay: Offer A leaves you ₹16,987 more every month than Offer B.

Money is not everything: growth, learning, location and the team matter too. These figures are estimates under the new tax regime (see the CTC to In-Hand Salary tool for the rules), and your offer letter has the real split.

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How to: Compare a 12 LPA Offer with a 14 LPA Offer That Has 4 Lakh Variable

  1. 1Type 12 as offer A's CTC and 14 as offer B's.
  2. 2Type 4 as offer B's variable pay in lakh.
  3. 3Add any monthly rent difference between the cities.
  4. 4Compare the fixed-only and the with-variable figures.

At a glance

Offer A
12 LPA fixed: ₹91,876 a month
Offer B
14 LPA with 4 lakh variable: ₹74,889 to ₹1,02,843 a month
Tax
Offer A pays ₹0 a year; offer B pays ₹64,547

Frequently asked questions

Why does the extra CTC not turn into extra take-home?

Part of it is variable and may not be paid, and the income above ₹12 lakh of taxable income is taxed. So the gain in hand is smaller than the gain in CTC.

How should I decide between them?

Compare the fixed pay first, then ask how likely the variable is. If the role and growth are similar, the higher fixed pay is the safer pick.

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