A higher salary is not automatically a better offer. A weaker match, a worse insurance plan, ten fewer PTO days and a commute can erase a raise entirely. This puts both offers on the same footing.
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Uses 2026 federal rates and the standard deduction. State tax is applied as a flat effective rate you enter. It assumes the bonus pays at target, premiums are pre-tax, and 260 working days a year before PTO. The 401(k) match is counted at full value and ignores vesting schedules, which can take several years. It does not price equity, pensions, tuition help, parental leave, retirement plan quality, job security, or anything about the work itself. Estimates only, not financial or tax advice.