Job Offer Comparison
Compare two job offers side-by-side — total compensation, tax impact, commute cost, benefits, and equity.
Offer B is worth $22,969 more per year
Offer A
$100,012
total annual value
Offer B
$122,981
total annual value
AI Insights
- ›Offer B is worth $22,969 more per year — a 17.4% real-world advantage over the headline salary gap.
- ›Commute costs reduce Offer A's take-home by $1,800 per year — factor this into your comparison.
- ›Effective combined tax rate on Offer A: ~27% (income tax + FICA).
Value Breakdown
Offer A
Gross comp$132,000
Income tax–$26,091
FICA–$10,098
401k contrib–$7,200
Commute–$1,800
Net take-home$86,812
Offer B
Gross comp$157,800
Income tax–$31,660
FICA–$11,613
401k contrib–$7,920
Commute-$0
Net take-home$100,608
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 2024 federal tax, single filer, standard deduction $14,600. Add your state tax rate. Not financial advice. Estimates only. Consult a qualified adviser.
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.