Full explanation
Step 1: Calculate in-hand salary for each offer (use salary in-hand calculator). Step 2: Add value of non-monetary benefits: ESOP (illiquid; value at 0 until exit), health insurance (₹15,000–30,000/year value), work from home (commute cost saved + time), learning opportunities (hard to quantify but real). Step 3: Adjust for location: same salary in Mumbai vs Bengaluru has different purchasing power. Step 4: Evaluate career trajectory: a higher salary at a company with lower growth potential may lose to a lower salary at a fast-growth company in 3 years. Step 5: Total compensation = base + variable + ESOP + benefits + location adjustment. Then decide.