3-Way Job Offer Decision Engine FY 2026-27
3-Way Job Offer Comparator & Salary Decision Engine
Compare up to 3 job offer letters side-by-side. Evaluate monthly take-home cash flow, signing bonuses, 4-year RSU vesting, and city cost-of-living adjustments.
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Offer A
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Offer B
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Comparing Job Offers: Beyond the CTC Headline Number
Why 3-Way Compensation Analysis Changes Career Decisions
When evaluating multiple tech or finance offers (e.g. Walmart, Morgan Stanley, NVIDIA), looking only at annual CTC can lead to poor financial choices. CTC headlines often mix guaranteed cash with variable bonuses, 4-year stock grants, and statutory employer EPF contributions.
Evaluating RSUs & Sign-on Bonuses
RSU grants vest over 4 years (typically 25% per year) and attract perquisite tax under Section 192 upon vesting. A sign-on bonus provides high Year 1 liquidity but is a one-time payout. Our decision engine separates Year 1 Liquid Cash from Guaranteed Monthly In-Hand Pay and 4-Year Cumulative Wealth.