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Compare Job Offers After Taxes

Compare two job offers by estimated take-home pay, bonus, state tax model, and monthly cost differences so the better offer is based on cash flow, not headline salary.

Offer A

$
$
%
$
$
$

Offer B

$
$
%
$
$
$
Better first-year cash flow
Offer B
pays $8,295 more after taxes and listed costs
Offer A annual take-home$76,216
Offer A 401(k) savings$5,500
Offer A health premiums-$3,120
Offer A rent and commute-$38,160
Offer A after costs$38,056
Offer B annual take-home$75,871
Offer B 401(k) savings$5,000
Offer B health premiums-$2,160
Offer B rent, commute, moving-$29,520
Offer B after costs$46,351
Offer B monthly advantage$691
Offer B per-paycheck advantage$319
Annual difference+$8,295

Offer B pays $8,295 more after taxes, rent, commute, health premiums, and first-year moving costs than Offer A.

State caveats: Local wage taxes, credits, itemized deductions, and benefit deductions are not included. No broad state wage income tax is modeled. Other taxes and payroll deductions can still apply.

Last updated: March 2026Reviewed by CalculWise editorial team
Sources: IRS federal tax brackets·Social Security wage base·CalculWise tax data sources
Methodology: Compares annual salary plus bonus using 2026 federal tax assumptions, FICA, and verified state tax models where available. Monthly cost differences are subtracted after tax.
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Why after-tax job offer comparison matters

A $110,000 offer is not automatically better than a $100,000 offer. State income tax, health premiums, commute costs, retirement match, rent, and relocation costs can erase the difference.

This calculator starts with paycheck cash flow. It estimates federal tax, FICA, and modeled state tax, then subtracts monthly cost differences so you can compare the money you can actually use.

What to compare beyond salary

The strongest offer is usually the one with the best combination of net pay, benefits, growth, and risk. Salary is only one input.

  • Employer health insurance premiums and deductible exposure
  • 401(k) match, vesting schedule, and HSA contribution
  • Commute cost, remote work flexibility, and unpaid time
  • Rent, state tax, local tax, and relocation costs

Frequently Asked Questions

Should I compare job offers before or after taxes?

Compare both, but the after-tax view is usually better for real decisions because rent, savings, debt, commuting, and insurance are paid from take-home pay.

Does a bigger salary always win?

No. A lower salary in a no-income-tax state, cheaper city, or better benefits package can produce better monthly cash flow than a higher headline salary.

Does this replace a final tax return?

No. It is a planning estimate. Credits, itemized deductions, local taxes, benefit elections, and household tax details can change the final result.

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