How should I value startup ESOPs in an offer?

In a 2026 market, apply a 'risk haircut' to ESOPs. Value them at 10-20% of their paper value for early-stage and 50-70% for late-stage (Series D+) when comparing against a cash-rich MNC offer.

Is joining bonus part of CTC?

Most companies list it in the 'First Year Earnings' but not in the 'Retirals' or 'Base' CTC. Remember that joining bonuses are usually clawed back if you leave within 12 months.

Offer Comparison CalculatorFY 2026-27

Compare job offers side-by-side: evaluate Fixed Pay, ESOP Value, and Net In-Hand for 2026.

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Quick Summary: Offer Comparison Calculator

When comparing job offers in 2026, look beyond the 'Big CTC' number. A ₹20 LPA offer with 50% fixed pay and 4-year ESOP vesting might be financially inferior to a ₹16 LPA all-cash offer for someone with immediate liquidity needs. This tool provides a side-by-side wealth impact analysis.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.