Compare two job offers after tax
A bigger salary can take home less. Enter two offers with their states, your 401(k), the employer match and your health premium to see what each one pays after tax, per year and per paycheck.
Offer B takes home $751 more a year than Offer A ($62 more a month on average). Counting 401(k) money going into your account, B is $751 more a year.
Offer A
- Salary
- $85,000
- Take-home per year
- $68,627
- Per paycheck (every two weeks)
- $2,639.52
- Taxes (federal, FICA, Texas)
- $16,372
- Health premium
- $0
- Your 401(k)
- $0
- Employer match
- $0
- Take-home + 401(k) + match
- $68,627
Offer B
- Salary
- $95,000
- Take-home per year
- $69,378
- Per paycheck (every two weeks)
- $2,668.41
- Taxes (federal, FICA, California)
- $25,621
- Health premium
- $0
- Your 401(k)
- $0
- Employer match
- $0
- Take-home + 401(k) + match
- $69,378
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Questions
How do I compare two job offers?
Compare take-home pay, not salary. Federal tax and FICA follow the wage, while the state line, state payroll programs, your 401(k), and the health premium change what reaches your bank account. Then count the employer match as money that is yours.
Is the employer match in take-home pay?
No. The match goes into your 401(k) and is not taxed now, so the page shows it on its own line and adds it in the last row.
Does this include city tax or cost of living?
No. It uses state methods only. A higher-taxed state can still leave you better off if rent and groceries cost less, and that part is yours to weigh.
Which filing status and W-4 does it assume?
A single filer with a blank 2020 W-4, paid every two weeks. Use the paycheck calculator for other statuses, benefits and local tax.