Job Offer Comparison Calculator — After Tax, Benefits & Commute
Two offers, one honest answer. Compare base, bonus, equity, benefits, commute cost, and after-tax take-home — across 16 countries with their real tax brackets.
Offer B is worth $22,970 more per year, all in
Offer A
$100,483
total annual value
Offer B
$123,453
total annual value
AI Insights
AI- 1Offer B is worth $22,970 more per year — a 17.4% real-world edge once tax, benefits, and commute are in the picture.
- 2Commuting drags Offer A’s take-home down by $1,800 a year — make sure that’s priced into your decision.
- 3Effective combined tax on Offer A: ~27% (income tax + FICA).
Value Breakdown
Loading chart…
Offer A
Gross comp$132,000
Income tax–$25,619
FICA–$10,098
401k contrib–$7,200
Commute–$1,800
Net take-home$87,283
Offer B
Gross comp$157,800
Income tax–$31,188
FICA–$11,613
401k contrib–$7,920
Commute-$0
Net take-home$101,079
Offer A
$120,000
$30,000$500,000
10.0%
0.0%50.0%
$0
$0$500,000
$0
$0$150,000
3 years
1 year10 years
4.0%
0.0%15.0%
6.0%
0.0%25.0%
$8,400
$0$25,000
15 days
5 days50 days
3 days/wk
Remote5 days/wk
$12
$0$150
5.0%
0.0%13.3%
Offer B
$132,000
$30,000$500,000
15.0%
0.0%50.0%
$6,000
$0$500,000
$0
$0$150,000
3 years
1 year10 years
4.0%
0.0%15.0%
6.0%
0.0%25.0%
$8,400
$0$25,000
20 days
5 days50 days
Remote
Remote5 days/wk
5.0%
0.0%13.3%
US 2025 federal tax, single filer, standard deduction $15,750. Add your state tax rate. Estimates only — not financial advice. Always check with a qualified adviser before you act.
Related calculators
What most people miss when comparing offers
- Employer pension/401k match — 5% match on a £70k/\$100k salary is worth £3,500/\$5,000 per year, completely tax-free.
- Commute cost — 3 days/week in an office at £18/$12 per round trip is ~£2,700/$1,800 per year out of your net pay.
- Health insurance— US employer premiums average $8,400/year. That's real compensation that doesn't show up on a payslip.
- Extra PTO days — Each extra day above baseline is worth roughly salary ÷ 245 working days.