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Job offer calculator: compare two offers

Enter both offers. We compare what you'd really take home after taxes, plus your 401(k) savings and employer match — so you can see which job pays more.

Filing status
Offer A
Base salary
Yearly bonus
State
Health premiumyour share
/ mo
401(k) match% of salary
%
You contribute
%
Offer B
Base salary
Yearly bonus
State
Health premiumyour share
/ mo
401(k) match% of salary
%
You contribute
%

Offer A is worth more each year by

$7,856

Take-home −$5,756 for Offer B vs A · counting 401(k) savings and match

Bonuses are usually withheld at a flat 22% federal rate, so the bonus check looks smaller — but your yearly tax ends up the same, as shown here.

Offer A vs Offer B (per year)

Offer AOffer B
Take-home pay$84,713$78,957
Per month$7,059$6,580
Taxes (all)$36,287$21,444
Total tax rate27.9%19.5%
Your 401(k) savings$7,200$6,600
Employer 401(k) match$4,800$3,300
Health premiums$1,800$3,000
Total value$96,713$88,857
Offer A wins by$7,856

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Educational only, not financial advice. Your question is processed by our AI provider; please don't include personal details.

New offer? Read our guide: how to accurately estimate take-home pay from a job offer.

Assumptions

  • 2026 federal, state and New York City tax rules; standard deduction; no other income.
  • Total value = take-home pay + money going into your 401(k) (yours and the employer match you'd receive). Health premiums are treated as a cost.
  • Doesn't value stock grants, PTO, insurance quality, commute costs or cost of living — weigh those separately.

Frequently asked questions

How do I compare two job offers?+

Compare what each offer puts in your pocket and your retirement account after taxes — not the headline salary. Include the bonus, state and city income tax, your health premiums, your 401(k) contributions and the employer match you'd actually receive. Then weigh what the calculator can't: equity, PTO, commute and cost of living.

Is a higher salary in California better than a lower one in Texas?+

Not always. California's income tax can take several thousand dollars more a year than Texas (which has none), and housing costs usually differ even more. Enter both offers above to see the after-tax difference.

How much is an employer 401(k) match worth?+

It's part of your pay: a 4% match on $100,000 is $4,000 a year going into your account, tax-deferred. You only get it if you contribute at least the matched percentage.

How are bonuses taxed?+

Bonuses are ordinary income. Employers usually withhold federal tax at a flat 22% on them (37% above $1 million), so the bonus check can look smaller, but your actual 2026 tax is the same as if it were salary.

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Uses 2026 rules and limits. Last reviewed October 15, 2026. Calculator version 1.0.0. Sources: IRS Rev. Proc. 2025-32 (tax year 2026 inflation adjustments) · IRS Schedule 1-A (tips, overtime, car loan interest, seniors) · IRS — OBBBA deductions for working Americans and seniors · Journal of Accountancy — Social Security wage base and COLA for 2026 · IRS Instructions for Schedule A (SALT limitation worksheet) · Tax Foundation — State Individual Income Tax Rates and Brackets, 2026 · NY Department of Taxation — IT-201 instructions, New York City tax rate schedule. Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.