Job Offer Comparison Calculator

Compare two or three job offers side by side after tax, pension, benefits, commuting and time off. UK 2026/27, US 2026 and Canada 2026 rules.

Reviewed by Dany, RightSums team · Updated

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salary-tax · Daily life · UK & US & Canada

Put two or three job offers side by side and see what each is worth once tax, pension, benefits, commuting and time off are counted. For each offer you enter the salary or hourly rate, bonus, your pension and the employer's, paid days off, office days and the commute. The calculator runs each offer through the same UK 2026/27, US 2026 or Canada 2026 take-home engines used across the site, then shows take-home a year and a month, employer pension, a clearly labelled total value, commute cost and hours, and take-home per hour once commute time counts. Every line shows the difference from the first offer. It does not pick a winner: share options, career prospects and how much you want the job are yours to weigh.

Accepted inputs

  • Two or three offers, each with a name
  • Yearly salary, or hourly rate with hours a week
  • Expected bonus as an amount or a % of salary, and a one-off signing bonus
  • Your pension, 401(k) or RPP contribution and the employer's, as % of salary
  • Paid days off a year and days worked a week
  • Office days a week, one-way commute time, and a cost per day or a fuel cost from distance, mpg and fuel price
  • Tax-free and taxable benefits a year, such as health insurance
  • Country: UK with Scotland and pension method, US with state and filing status, Canada with province and plan type

Outputs

  • Take-home pay a year and a month for each offer
  • Employer pension added
  • Total value: take-home + employer pension + benefits
  • Commute cost a year and commute hours a year
  • Take-home per hour counting commute time, before and after commute costs
  • Signing bonus after tax
  • Difference from the first offer on every line
  • Printable comparison table and a saved copy

How to use the Job Offer Comparison Calculator

  1. Pick the UK, the US or Canada, then enter the pay, bonus, pension, paid days off and benefits from each offer letter.
  2. Add how many days a week each job needs you in the office, how long the journey takes each way and what it costs, or let the tool work out the fuel for a drive.
  3. The calculator runs each offer through the 2026/27 UK or 2026 US or Canadian tax rules, adds the employer pension and benefits, and takes off commute costs and time.
  4. You get a side-by-side table with the difference from the first offer on every line, which you can print or save, and the choice stays yours.

Frequently asked questions

How do I compare two job offers with different salaries?

Compare take-home, employer pension and commuting, not headline pay. In the UK, £48,000 with a 5% employer pension and a 30-minute commute at £8 a day gives £36,159.60 take-home plus £2,400 pension. £52,000 with 3% and an hour each way at £15 a day gives £38,983.40 plus £1,560, but £953 more in fares.

Is a higher salary worth a longer commute?

Only if the extra take-home beats the extra time and cost. In the £48,000 versus £52,000 example, three office days with an hour each way instead of 30 minutes adds 136 hours a year. Take-home less fares per hour, travel included, falls from £19.07 to £18.70, so the bigger salary pays less for your time.

Is $95,000 in California better than $90,000 in Texas?

Not on take-home pay. For a single filer in 2026 with no 401(k), $90,000 in Texas leaves $72,145 after federal tax and FICA, as Texas has no state income tax. $95,000 in California leaves $69,837.52 after state income tax and 1.3% SDI, so the higher salary takes home $2,307.48 less.

Is employer-paid health insurance taxable?

In the UK, yes: private medical insurance is a benefit in kind reported on a P11D, taxed on what it costs the employer. A £1,000 policy costs a basic rate taxpayer £200 and a higher rate taxpayer £400, with no employee National Insurance. In the US, and in Canada outside Quebec, employer health cover is generally tax-free.

How much of a signing bonus do I keep?

A signing bonus is taxed as pay in the year you get it, at your top rates. On a £48,000 UK salary with a 5% pension, a £5,000 signing bonus leaves £3,697.80 after Income Tax and National Insurance, because part of it crosses into the 40% band. It is paid once, so the tool keeps it out of the yearly figures.

Sources

The rates and rules in this tool come from:

Guides that use this tool

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