Compare your current job and the new offer with taxes, benefits, commute, childcare, and hidden work costs included. This is the real take-home math.
Your real after-tax, after-cost gain will show here.
Not just hourly pay. A raise is only a raise if it beats taxes, commute costs, childcare, uniforms, training, and the weekly strain on your life. This calculator makes you compare the real take-home after those costs.
It uses a 2026 single-filer estimate: 7.65% FICA, the 2026 standard deduction of $16,100, and a default 4% state estimate. It gives you a practical take-home check, not a legal tax return.
Only if it is reliable. This tool lets you plug in the annual bonus value, but your likely answer is: a guaranteed raise beats a possible bonus every time.
Take the offer seriously. The Paycheck-to-Paycheck Weekly Planner and Blue-Collar Paycheck Protection & Buffer Binder help you lock in the gains before the new job gets expensive.
Get the planning tools on Gumroad →