
Sengupta compares these offers in great depth, looking at things like employment security, taxes, cost of living, and cultural effects. He goes beyond take-home earnings to examine what each place has to offer.
Sengupta claims that the US is the leader in high-paying IT and financial jobs as well as career advancement. However, there are drawbacks, such as aggressive reorganization, frequent layoffs, and the unpredictability of H1B visa renewals.
In contrast, india provides a thriving job market in fintech, IT, and startups, as well as more stable working conditions and robust labor laws.
Dubai is situated in the middle of the two. Along with the allure of tax-free pay, it provides rapidly expanding opportunities in industries like finance and real estate. However, the majority of occupations are contract-based, meaning they have less long-term stability and are changed more frequently.
Although US incomes are considerable, Sengupta notes that taxes can deduct 25–35% of them, and healthcare is another significant expense, leaving a net annual income of roughly $70,000–$75,000.
Employer perks like EPF, gratuities, and reasonably priced healthcare let you keep more of your income in india, where taxes typically range between 20 and 30 percent. The annual net take-home pay is between ₹18 and ₹20 lakh.
Dubai is unique in that it has no income tax. Nearly the entire wage is kept in hand due to the lack of tax deductions, even though there is no pension or long-term social security.
Despite having high salaries, the US has the highest cost of living, with large city rentals frequently exceeding $2,500 per month, making monthly savings meager.
With luxury rents of about ₹50,000 per month and substantial savings of ₹1–1.5 lakh per month, india has the lowest cost of living.
Dubai costs less than the US but more than India. Given that rent is typically about 8,000 AED per month, there is still a good chance that you might save up to 15,000 AED per month because there is no tax.
According to Sengupta, the US provides exposure to a wider world and a better work-life balance, but it also comes with the burden of immigration and being far from home.