Is the new offer actually better?

Math output

Real first-year comparison

NiyamFin interpretation

The higher headline offer may not improve first-year cash flow after tax, city costs, and relocation.

What could change the result

• - Actual salary breakup, tax regime, deductions, and bonus payout
• - Rent, commute, childcare, school, and lifestyle costs in the destination city
• - Relocation reimbursement, joining bonus, vesting schedules, and notice-period costs
• - Non-cash factors such as manager quality, learning, role scope, and job risk

Ask HR for the detailed salary breakup and model fixed monthly in-hand before accepting the headline CTC.