GuideStead.

Job offer comparison · Tax year 2026 estimate

Home

Compare two job options after estimated taxes, commute time, and work-related costs.

How to use the job offer comparison: Put the current job in Option A and the new offer in Option B. The main result shows how far Option B comes out ahead or behind per year. The comparison includes estimated taxes, 401(k) contributions, health premiums, commute mileage, the optional commute-time value, and other entered work costs.
Shared settings
Filing status, 401(k) percentage, and commute-time treatment apply to both job options. When available, saved paycheck values prefill filing status, salary, state tax rate, 401(k) percentage, and health premium.
The commute-time value is optional. When enabled, the calculator shows a separate estimate for personal commute time based on each option’s estimated hourly pay. The commute-time estimate is not an out-of-pocket cost.
Filing status, 401(k) percentage, commute-time setting, and all Option A and Option B entries are saved automatically in this browser on this device. No account or login.
Option A
Enter an effective state income tax rate, or leave blank to exclude state tax.
Option B
Enter an effective state income tax rate, or leave blank to exclude state tax.
Option A
Annual gross pay
—
Estimated taxes
—
401(k) + health premium
—
Estimated take-home pay
—
Commute mileage cost 72.5¢/mi
—
Commute time value
—
Parking/tolls/other
—
Estimated yearly value after work costs
—
Option B
Annual gross pay
—
Estimated taxes
—
401(k) + health premium
—
Estimated take-home pay
—
Commute mileage cost 72.5¢/mi
—
Commute time value
—
Parking/tolls/other
—
Estimated yearly value after work costs
—
Option B ahead or behind per year
—
—
Educational estimate, not tax or career advice. The job offer comparison uses simplified 2026 federal income-tax brackets and standard deductions, Social Security and Medicare rules, and a state income tax rate you enter yourself, applied as a flat percentage. Commute mileage uses the 2026 IRS business mileage rate as a practical benchmark. Benefits, bonuses, paid time off, employer retirement match, job security, career growth, and personal stress are not included. Full disclaimer.
Advertisement