Job Offer Comparison Calculator
Compare job offers with the full picture: salary, bonus, equity, retirement match, taxes, commute costs, health premiums, PTO, and state differences.
Example: $120K California vs $105K Texas (single, office)
CA Take-Home
$83,327.10
TX Take-Home
$84,447.40
Annual Difference
$1,120.30
Winner
Texas
$120K in California vs $105K in Texas (with 401k, health, commute): Texas yields $1,120.30/year more after tax.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Filing status (applies to both offers)
Offer A
Offer B
Side-by-side comparison
| Metric | Offer A | Offer B |
|---|---|---|
| Total annual compensation (gross) | $154,300 | $130,550 |
| Total annual compensation (after tax) | $99,967.81 | $98,722.74 |
| Monthly take-home equivalent | $8,330.65 | $8,226.89 |
| Real hourly rate | $51 | $51.42 |
| Estimated annual tax | $46,092.19 | $28,059.27 |
| Annual commute cost | $5,360 | $1,608 |
| Annual health premium cost | $2,880 | $2,160 |
Offer A leads by $1,245.07 annually ($103.76/month).
AI explains your result
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Where each offer wins/loses
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Suggested questions:
Hidden costs of job offers
Most comparisons over-focus on base salary and ignore expensive details that materially change your real compensation.
- Commute cost and time drag (fuel, maintenance, vehicle depreciation)
- Health insurance premium differences
- 401k match policy quality (rate and cap)
- State tax differences, especially high-tax vs no-income-tax states
- PTO differences that shift your effective hourly value
Frequently asked questions
Why does a lower salary offer sometimes mean higher take-home?
State taxes, health premiums, commute costs, and 401k match can flip the outcome. A $105K offer in Texas (no state income tax) with better benefits can beat a $120K offer in California after taxes and hidden costs.
Should I include 401k match in the comparison?
Yes. A 6% match on $100K = $6,000/year in free money. That's part of your total compensation. The calculator adds 401k match value to after-tax take-home for a fair comparison.
How does commute affect total compensation?
IRS mileage rate (~$0.67/mile) × round-trip × work days. A 20-mile each-way commute 250 days/year costs ~$6,700. Remote or hybrid work can save thousands and effectively raise your real hourly pay.
What about signing bonus and equity?
Enter both. Signing bonus is annualized over 4 years. Equity annual value is your best estimate of vesting value per year. Both affect taxable income and thus after-tax comparison.
What's Next?
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