Free Job Offer Comparator
Compare two job offers after taxes, benefits, and total compensation. See the real difference when you factor in state taxes, 401(k) matching, and health premiums.
Your Details
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%
Employer matches up to this % of salary
$/mo
Your share of health insurance
$
$
%
Employer matches up to this % of salary
$/mo
Your share of health insurance
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Winner
Offer B
$4,241.26/yr more in your pocket
Paycheck Comparison (Biweekly)
| Item | Offer A | Offer B |
|---|---|---|
| Gross Pay | $3,269.23 | $3,461.54 |
| Federal Tax | -$344.23 | -$384 |
| State Tax | -$132.99 | -$0 |
| FICA | -$250.09 | -$264.81 |
| 401(k) | -$196.15 | -$207.69 |
| Take-Home | $2,345.76 | $2,605.04 |
Annual Total Compensation
| Component | Offer A | Offer B |
|---|---|---|
| Annual Take-Home Pay | $60,989.74 | $67,731 |
| Employer 401(k) Match | $3,400 | $2,700 |
| Health Premium Cost | -$2,400 | -$4,200 |
| Ongoing Annual Value | $61,989.74 | $66,231 |
| Signing Bonus | $0 | $5,000 |
| First Year Total | $61,989.74 | $71,231 |
Key Differences
Effective Tax Rate
22.2%18.7%
State Tax (Annual)
$3,457.76$0
Federal Tax (Annual)
$8,950$9,984
State tax savings: Offer B saves $3,457.76/yr in state taxes
What to Consider Beyond Salary
State Taxes Matter
A $90K offer in Texas (no state tax) can beat a $100K offer in California (13.3% top rate). This tool shows the real after-tax difference.
401(k) Match is Free Money
A 4% match on $85K adds $3,400/year to your compensation. Missing out on employer matching is literally leaving money on the table.
Health Premiums Add Up
A $200/month difference in health premiums is $2,400/year. Factor this into total compensation.