A new offer looks bigger on paper. Is it, really?
MoneyVerdict works out the real financial impact of a job switch — tax regime, PF, notice-period buyout, relocation, equity — as one clear number, not five separate calculators you have to reconcile yourself. Nothing you enter ever leaves your browser.
Job Offer Comparison
The real first-year and recurring benefit of switching — tax, notice buyout, relocation, and equity, in one number.
CTC → In-Hand Salary
What a CTC figure actually turns into on payday, with PF and both tax regimes worked out.
Regime Breakeven
Exactly how much more you'd need to deduct for the old regime to beat the new one.
Notice Period Buyout
What leaving before your notice period ends will actually cost you.
Why not just use a spreadsheet?
Most people trying to answer "should I switch" end up running four or five different calculators — a CTC breakdown here, a tax comparison there, a notice-period estimate somewhere else — and adding it all up by hand. Every offer letter is different enough that a spreadsheet template breaks the moment your situation doesn't match it exactly. This is that whole workflow, built once, correctly.
Loans & investment decisions
See all →Beyond salary and job-switch decisions — the same "decision, not just a number" approach applied to loans and investing.
Prepay vs Invest
Pay down a loan or invest the lump sum — the actual breakeven, tax loss included.
Rent vs Buy
A real 20-year net-wealth simulation, not a monthly-cost guess.
FIRE Calculator
Your retirement number, with healthcare inflation tracked separately.
Debt Payoff
Snowball vs avalanche, simulated side by side.