Compare job offers by take-home pay
Put up to three offers side by side and see which one really leaves you with more once taxes, benefits and the 401(k) match are counted.
What “real yearly value” counts
It starts from take-home pay (salary plus bonus, minus federal, state and local income tax, FICA, your 401(k) contribution and health premiums), then adds back your 401(k) contribution and the employer match, since both are still your money, and subtracts commuting costs. Offers are saved in this browser so you can come back while you negotiate; the reset button wipes them.
Negotiating a raise instead? The raise calculator shows how much of it reaches your paycheck. Considering a contract role? Check the self-employment tax calculator first.
Questions people ask
How do I compare two job offers with different salaries and states?
Compare what you keep, not the headline. Run each salary through federal, state and local tax, subtract your share of health premiums, then add back the money that is still yours but not in your paycheck: your 401(k) contribution and the employer match. Subtract commuting costs. The offer with the higher total is worth more in cash terms.
How much is a 401(k) match worth?
A match is free salary that skips income tax until withdrawal. A 4% match on $100,000 is $4,000 a year, the equivalent of roughly a $5,500 raise after tax for someone in the 22% bracket. You only get it if you contribute at least the matched percentage.
What else should I weigh besides pay?
Vesting schedules on the match and on equity, paid time off, remote-work flexibility, health plan deductibles, career growth and cost of living. The calculator puts a number on cash compensation; the rest is judgment.