Compare Job Offers
Compare multiple job offers side-by-side based on real take-home pay after taxes, benefits, and deductions.
Comparison Summary
Offer 2 vs Offer 1
Offer 2 pays $5,975 more per year after tax
Annual difference: $5,975
Salary: +$5,975
How we calculate offer take-home pay
We calculate your take-home pay by starting with your annual salary, then subtracting:
- Pre-tax deductions: 401(k) contributions, HSA, FSA, and commuter benefits reduce your taxable income
- Federal taxes: Calculated using 2024 tax brackets and your filing status
- State taxes: Varies by state, using current tax brackets
- FICA taxes: Social Security (6.2% up to wage base) and Medicare (1.45% base, plus 0.9% additional for high earners)
- Post-tax deductions: Health, dental, and vision insurance premiums
- Extra withholding: Any additional federal or state withholding you specify
- Bonuses: Taxed at supplemental rates (22% federal for bonuses under $1M)
The result shows your actual take-home pay per paycheck and per year, so you can compare offers on an apples-to-apples basis.
Disclaimer: This calculator provides estimates only. Actual take-home pay may vary based on your specific tax situation, deductions, credits, and employer policies. Consult a tax professional for personalized advice.
How we compare job offers
We calculate the real take-home pay for each offer after all taxes and deductions, so you can make an informed decision.
- Location matters: State and local taxes vary significantly. A $100,000 salary in Texas may result in more take-home pay than $110,000 in California.
- Benefits impact: Health insurance, 401(k) contributions, and other deductions affect your net pay differently at each employer.
- Tax brackets: We calculate federal and state taxes using progressive brackets based on each offer's total compensation.
- FICA taxes: Social Security and Medicare are calculated consistently across all offers for accurate comparison.
Always compare take-home pay, not gross salary. Take-home pay shows the actual amount you'll receive.
Frequently Asked Questions
Use our offer comparison tool to enter multiple job offers with their salaries, locations, benefits, and deductions. The calculator shows the real take-home pay for each offer after federal, state, and local taxes, helping you make an informed decision.
Take-home pay is your net pay after taxes (federal, state, local), FICA taxes (Social Security and Medicare), and deductions (health insurance, 401(k), etc.). Two offers with the same salary can have very different take-home pay depending on location and benefits.
Always compare take-home pay, not gross salary. Take-home pay accounts for taxes and deductions, giving you the actual amount you'll receive. A $100,000 salary in Texas may result in more take-home pay than a $110,000 salary in California due to state tax differences.
Related Tools
- Take-Home Pay Calculator — Calculate take-home pay for a single job
- Total Compensation Calculator — Calculate total compensation including equity
Estimates are based on current tax rules and public guidance. Actual take-home pay may vary depending on employer-specific benefits, deductions, and your individual tax situation.
For personalized advice, consult a qualified tax professional.