Savings as Netflix SDE on H1B vs Microsoft India Offer?

Your savings as an SDE at Netflix in the USA depend on factors like living expenses, taxes, and lifestyle choices. Here's an average breakdown:

Netflix (USA) Offer Analysis

• Take-home Salary: $120,000 (after taxes).

• Stocks: Additional income depends on stock vesting and market performance.

Average Expenses in the USA (Annual):

1. Housing: $24,000–$36,000 (based on location; e.g., Bay Area is expensive).

2. Utilities: $2,500–$3,500.

3. Groceries & Dining: $6,000–$10,000.

4. Transportation: $2,000–$4,000 (car or public transit).

5. Insurance (Health, etc.): $4,000–$6,000.

6. Miscellaneous (entertainment, travel, etc.): $5,000–$10,000.

Estimated Savings in the USA:

• After expenses: ~$40,000–$60,000 annually (excluding stock gains).

Microsoft (India) Offer Analysis

• CTC: ₹32 LPA.

• Take-home Salary: ~₹22–24 LPA (post taxes and deductions).

Average Expenses in India (Annual):

1. Housing: ₹4–6 LPA (varies by city).

2. Utilities: ₹0.5–1 LPA.

3. Groceries & Dining: ₹1.5–3 LPA.

4. Transportation: ₹1–2 LPA.

5. Miscellaneous: ₹2–3 LPA.

Estimated Savings in India:

• After expenses: ₹10–14 LPA annually.

Key Considerations:

1. Tax Impact: U.S. savings are post-tax and generally higher.

2. Cost of Living: The USA, especially tech hubs, is more expensive.

3. Stock Benefits: Netflix stock options can significantly boost income.

4. H1B Visa Sponsorship: Adds long-term U.S. work opportunities.

Final Comparison:

• Netflix USA Savings: $40,000–$60,000 (~₹33–₹50 LPA).

• Microsoft India Savings: ₹10–14 LPA.

The Netflix offer offers higher savings potential and international exposure but comes with higher living costs and visa dependencies. The Microsoft offer provides stability in India with a moderate savings rate.