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Job Offer Comparison Calculator
Enter both offers and the monthly costs you would carry in each place. The calculator converts each to net pay and subtracts rent and living costs.
The tax rate should be the effective rate on total pay, not the top marginal rate; rent and living costs should be the amounts you would actually pay, not city averages.
Disposable income is the decision number
A gross difference of fifteen thousand can disappear after tax and rent. The comparison that matters is the amount left after deductions and ordinary monthly costs, because that is the money available for savings, travel, debt and everything else. Net pay alone still flatters an expensive city.
The difference output is signed from the perspective of Offer A. A positive number means Offer A leaves more each month; a negative number means Offer B does. The size of the difference is usually more useful than the ranking, because it shows what the cheaper option is worth in monthly cash.
Keep the cost inputs honest
Use the rent you would genuinely pay at the size and commute you need, not the cheapest listing in the city. Include the transport pass, utilities, food, phone and insurance in the living line. If one offer includes housing or meals, add the value to that offer instead of lowering the cost line, so both sides stay comparable.
One-off costs are excluded here. Deposits, furniture, permits and flights belong in the relocation calculation, and a full comparison should include them for the first year. Compare the steady-state month first, then check whether the first-year costs change the answer.
Frequently asked questions
Should I use gross salary or net salary in the comparison?
Enter gross salary and the effective deduction rate for each offer. The calculator converts both to net, so the comparison uses the same method on each side.
What if one offer includes housing?
Add the value of the housing to that offer, for example as an allowance, rather than reducing its rent line. Keeping both offers on the same structure avoids overstating the benefit.
Does the comparison include bonus or equity?
No. Add expected bonus and equity separately as annual values, then divide by twelve if you want them in the monthly comparison. Treat variable pay as uncertain.