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Job Offer Comparison Calculator

Compare two offers by salary, state, pay frequency, 401(k), health insurance, bonus, commute, and rent to see which offer pays more after taxes.

Offer A

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Offer B

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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 salary, bonus, 401(k), pre-tax health premiums, federal tax, FICA, available state tax models, rent, commute, and first-year moving costs.
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Compare the offer you can actually spend

The best offer is not always the largest gross salary. This calculator compares the after-tax result after 401(k), health premiums, state tax, rent, commute, bonus, and moving costs.

The output is intentionally decision-focused: it tells you which offer pays more after taxes and listed costs, then shows the monthly and per-paycheck difference.

Use the same assumptions on both offers

Use consistent rent, commute, health premium, and retirement assumptions. If Offer B has a better 401(k) match or lower premiums, put that advantage into the correct field so the comparison reflects real cash flow.

Frequently Asked Questions

What should I compare between two job offers?

Compare after-tax take-home pay, bonus, 401(k) savings, health premiums, rent, commute, moving costs, and state tax differences.

Can a lower salary be the better offer?

Yes. A lower salary with lower taxes, cheaper rent, better health premiums, or less commuting can produce more usable cash flow.

Does this include every benefit?

No. It covers major paycheck and monthly cash-flow items. Equity, PTO, vesting, job security, childcare, and career growth still need separate judgment.

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