TC India vs USA

Oracle blahbl
Feb 6 54 Comments

I’m contemplating going back to India but i feel I’d seriously miss out on TC. However, consider 2 cases - Earning in USA and staying in USA. Earning in India and staying in india. Would it even matter? I feel us tc is higher because of the col and once i have kids/wife I’d save less anyways. Isn’t it the same in india too?

Tc:125k, yoe:2

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TOP 54 Comments
  • Express VECO
    So here's my 2 cents. I lgrew up in India, worked in Dubai , went to grad school in the US and have been working for the past 2 years in the US. I ask a lot of people this question when they contemplate staying vs going back. If $1USD= 1 INR would you still be here, If the answer is No I would say leave if you get a decent TC in India.
    Feb 6 2
    • Oracle blahbl
      OP
      Interesting observation
      Feb 6
    • Gigamon / Eng
      yeah baby

      Gigamon Eng

      BIO
      what's th is
      yeah babymore
      I think good answer.. it boils down to happiness
      Feb 6
  • Philips / R&D yellowblk
    From savings perspective you can still have good savings. My friend with 9 yow in bangalore got offer from from one of the well known company. Combining his RSU's it's coming close to 50 lacks rupees. So there many companies which are paying good salary in india now if you are not considering traffic and dust.
    Other than traffic and dust (this issue is only in big cities) life will be luxurious if you can get good package. Family, friends, festival. So rank your priorities and decide.
    Feb 6 0
  • Amazon SDE3!
    @OP, I agree with one of the above comment. Set a financial/career goal and leave after achieving it. This is what I'm doing.

    I wanted to achieve two promotions and a financial goal of million dollars. For India, million dollars is good enough amount I felt.

    I achieved 1st one and close to 2nd. I'm leaving with family in an year, been here for 6 years.

    I already prepared my wife and kids about leaving this place from past 1 year and they are mentally prepared for it.

    Salaries in India have increased 2 - 3 folds in past 6 years, so I won't be doing bad in terms of income. But with 1 million dollars, I can retire on day 1 and live. I won't be able to do that in USA. I will be close to my family and I can take care of parents. My wife doesn't have to do home chores, we can hire helpers and she can take rest. We can celebrate all the festivals in proper manner with family. We can eat the food we want. There are lots and lots of things I'm looking forward to.

    Career wise, being a senior, I can dictate what I want to work on and what I don't. I also have plans to start 2nd income sources for consistent income when I retire, I can't do the same here because of Visa issues.

    Healthcare sucks here, getting a doctor's appointment is difficult, investigation and diagnosis takes long time. After diagnosis, they work slowly towards curing the issue. It's really miserable if you get any complicated health issue.

    I can rant much more but I think you got the gist :p
    Feb 6 19
    • Microsoft yubxsv
      Awesome. I’m looking at Hyderabad and Blore. Where do u look at in Hyderabad ?
      Feb 7
    • Amazon SDE3!
      Local real estate agent
      Feb 7
    • Google / Eng CBnr71
      @SDE3! “Career wise, being a senior, I can dictate what I want to work on and what I don't.” Nice joke 😂 .

      Amazon India has lot of intelligent people they mostly hire IIT and NIT but the project they get to work on are mostly the ones which are either in maintenance phase or the ones which US team does not want to work on. And that is a reason why lot of talented but frustrated IITian NITian come to US to work on better projects. I believe it is the same scenario for Google India and Microsoft India.

      And about dictating what you want to work on 😂🙏, I don’t believe SDE3 or staff would work. You need to be at least Engineering Director or VP level to have that kind of influence and power.
      Feb 8
    • Oracle MS tips
      Do you understand and realize that there are non mnc indian companies in India?
      Feb 8
    • Microsoft yubxsv
      1M although is great by some means. I don’t think I could retire on it even in India
      Feb 8
  • LinkedIn Yousaidit
    You will have more affordability in India. In US you are caught up in immigration, higher cost of living etc..

    I don’t think US has better quality of life. Medical sucks, commute in Bay Area is as bad as any Indian city, ppl are forced to buy shitty homes for million dollars
    Feb 6 4
    • Oracle blahbl
      OP
      Insurance covers medical bills, traffic is fine as long as there’s no pollution. You can always stay closer to office. Why do you’ve to buy a house? Why not just rent it and retire somewhere cheaper?
      Feb 6
    • Google / Eng
      howwzz

      Google Eng

      PRE
      Microsoft
      BIO
      12 yrs engineer in tech
      howwzzmore
      Traffic in bay area is still lot lot better than almost all major indian cities. Ppl who complain about bay area traffic havent seen traffic in india. On a 1-10 scale of stress in traffic, bay area is like 5, and most indian cities are 8-10. Banglare especially is easily 11+
      Feb 6
    • LinkedIn Yousaidit
      Op, you are missing the point.

      You can also rent a house in Indian city close to work to avoid commute. Insurance is there as long as you have a job. All is good when you are young and healthy, long term medical costs will pile up. In fact, medical bankruptcy is one of the biggest bankruptcy.

      Forever renting may not work especially when you have kids. Further H1b is a bigger nightmare when you have family.

      Also in know ppl who get 25lakhs TC in India with 2yoe. 25 Lakhs in India is way better than 120k in Bay Area.

      Again it is a personal choice, but I don’t see it financially prudent to stay permanently in US with a temporary H1b visa.
      Feb 6
    • Microsoft yubxsv
      Linkedin, curious what’s ur TC in Bay Area? I’m guessing ur married?
      Feb 7
  • New / Eng szh
    Also worth considering the fact that purchasing power of your TC is likely higher in India, if you're generally frugal (depending on your social circles, this maybe easier in India), not particularly materialistic, and don't want to settle in a tier 1 city eventually.

    Although not great for the country, you also gain a lot from the social inequality. You're certainly going to be amongst the tail 0.01% or whatever in terms of income and wealth, which comes with its benefits.

    I moved out of Bangalore, and really miss life there. The 200 varieties of chai for 20Rs, the food, the sheer chaos, randomness and low downside to taking entrepreneurial risks.

    Pollution, traffic etc. - I never really had issues with that while I was in Bangalore, you cope and become resilient to it to some extent - I'd spent 2 years in some shady parts of Mumbai, which was even worse. However, when I go back now, I feel that life in a first-world country has made me fragile.
    Feb 6 1
  • New / Eng mintha
    It's a very personal decision. Blind comments can't help IMO
    Feb 6 0
  • Google / Eng
    howwzz

    Google Eng

    PRE
    Microsoft
    BIO
    12 yrs engineer in tech
    howwzzmore
    Quality of life in big indian cities is horrible. Traffic, pollution are the big problems
    Feb 6 4
    • Oracle blahbl
      OP
      There are issues here too - gun culture, homelessness, mugging etc. I think I’d prefer a polluted place than a place where there’s no safety of life.
      Feb 6
    • Intel / Eng
      minato4

      Intel Eng

      PRE
      ANSYS
      minato4more
      Judging by your comments. I think you have made up your mind already.

      Good luck 👍🏻
      Feb 6
    • Oracle blahbl
      OP
      I didn’t mean it that way. Won’t these issues bother you?
      Feb 6
    • Lyft swetool
      Good bye!
      Feb 6
  • PayPal
    outOfBound

    PayPal

    PRE
    Yahoo, eBay
    BIO
    Who cares
    outOfBoundmore
    Looks like you are just starting your career. Unless you have serious immediate responsibilities to take care of like parents or something, stay & make more money.

    May be take this decision 8 years down the line when you have pumped up bank account espp rsu from a top company.

    Then sit on a chair one day in your million dollar home and decide. I did the same.
    Feb 6 6
    • Microsoft yubxsv
      Good question Oracle. Curious about the same
      Feb 6
    • PayPal
      outOfBound

      PayPal

      PRE
      Yahoo, eBay
      BIO
      Who cares
      outOfBoundmore
      I have 11 yoe and got a million dollar net worth. I could not have made this much in India. But that’s because I stayed. Pushed boundaries.

      How much is so much to make a call is subjective. Go to fang and work hard. By the time you reach 11 yoe, you might be sitting on 2x the pile or more.

      Most of the cash saving is done when you are single. After marriage and kids forget saving.

      So reap while you can. Then decide.
      Feb 6
    • Microsoft yubxsv
      I’m about to have kids and have worked so far for about 10 years. I switched from an engineer to PM but am considering moving back coz of TC
      Feb 6
    • Oracle blahbl
      OP
      I thought PMs make more
      Feb 6
    • Microsoft yubxsv
      My TC is decent, but with all new grads earning 150k I wonder if I should switch back. I want to get into the 300’s
      Feb 7
  • Microsoft yubxsv
    Your quality of life is what u should consider. And there are pros and cons of both. So think about that
    Feb 6 3
    • Oracle blahbl
      OP
      I grew up in India and I’m used to the chaos and pollution. I know quality of life here is better, but if i have money in india - i can have good food, good water and good air (put filters at home?) . So would it make a difference?
      Feb 6
    • Athenahealth tHVQ72
      Also consider quality of life for your future family. Kids growing up here as opposed to India. Have known people do that and some are fine with it and some regretted it immensely.
      Feb 6
    • Microsoft ddffghf
      Your quality of life is better here --no matter what you do in India.
      Feb 16
    • Amazon SDE3!
      Very well written answer, thanks for sharing
      Feb 6
  • Anthem Ctj49m
    Which city in india?
    Feb 6 1
    • Oracle blahbl
      OP
      Hyd/Blr. Depends on opportunities
      Feb 6
  • Microsoft kikiwi
    You've worked hard to get where you are. You earn, you save, you can afford living a good life. And a good life is more than just TC numbers. Think of what matters most to you and optimize it :)
    Feb 6 0
  • Broadcom Ltd. Hsrq43
    It is a personal decision. There best you can do for kids and family is to put them in right environment and surroundings.
    Feb 6 0