A
$
$
$
B
$
$
$
Job A
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—
per year
Highest Take-Home
VS
—
Job B
—
—
per year
Highest Take-Home
| Job A | Job B | Δ Difference |
|---|
How to Use This Calculator
Three steps to find which job offer actually pays more.
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1
Enter Annual Salaries
Input the gross annual salary for Job A and Job B. You can also add a job title to keep track of each offer.
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2
Select State and Filing Status
Choose the state for each job offer — state tax alone can shift take-home by thousands. Set your filing status (Single, Married, or Head of Household) for each.
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3
Analyze the Difference Column
Hit "Compare After-Tax Pay" and review the Difference column. It shows the exact federal, state, and FICA gap between the two offers — switch between Annual, Monthly, and Bi-weekly views.
Common Questions
Everything you need to know about comparing job offers after tax.
Enter the annual salary, state, and filing status for two job offers. The calculator applies 2026 IRS federal tax brackets, your selected state's tax rates, and FICA (Social Security + Medicare) to compute exact take-home pay for each. The delta column shows which job nets more money after all taxes.
States like Texas, Florida, and Nevada have no state income tax, while California and New York have some of the highest rates in the country (up to 13.3% and 10.9% respectively). A $120,000 offer in Texas can easily net more than a $130,000 offer in California once state taxes are factored in.
Federal income tax (2026 IRS brackets), state income tax for all 50 states + DC, Social Security (6.2% up to $176,100 wage base), and Medicare (1.45% + 0.9% additional Medicare tax above $200K for single filers / $250K married). Local income taxes (e.g. New York City's 3.876%) are not included.
Yes — each job offer has an optional pre-tax deductions field. Enter your expected 401(k) contribution or other pre-tax benefits. These reduce your taxable income for both federal and state tax purposes, so they're especially valuable in higher tax brackets. The 2026 401(k) limit is $23,500 (under 50) or $31,000 (age 50+).
Your effective tax rate is the percentage of your total gross income paid in federal income tax. Your marginal rate is the rate applied to the last dollar you earn. For example, at $100,000 single filer, your effective federal rate is roughly 17% but your marginal rate is 22% — meaning a raise would be taxed at 22 cents per dollar at the federal level.