Job Offer Comparison Calculator

To compare job offers beyond base salary, factor in employer-sponsored benefits such as health insurance premiums, 401(k) matching contributions, paid time off, equity compensation, signing bonuses, and remote work flexibility. Converting these perks to a dollar value and adding them to the base salary gives you a more accurate picture of total compensation. Use this calculator to quantify the after-tax value of each component side by side.

Yes, state income tax can significantly affect your take-home pay. States like California and New York have top marginal rates above 10%, while states like Texas, Florida, and Washington have no state income tax at all. A higher nominal salary in a high-tax state may result in less after-tax income than a lower salary in a no-tax state. Always compare offers using after-tax, after-deduction take-home pay rather than gross salary alone.

A 401(k) employer match is essentially free money added to your retirement savings. For example, a 50% match on up to 6% of your salary means an employer contributes an extra 3% of your salary each year, provided you contribute at least 6% yourself. On a $100,000 salary that is $3,000 per year in additional compensation. When comparing offers, add the maximum employer match you can realistically capture to the total compensation figure, since it directly increases your net worth even though it does not appear in your paycheck.

Absolutely. Employer-sponsored health insurance is one of the most valuable benefits in a job offer. If one employer covers 100% of your premium while another requires you to pay $300 per month, that difference amounts to $3,600 per year in after-tax dollars. Because health insurance premiums are often paid with pre-tax dollars through a cafeteria plan, the true cost difference can be even larger when you account for the tax savings. Always factor in your out-of-pocket premium contribution, deductible levels, and coverage quality when evaluating competing offers.