Job Offer Comparison Calculator

Compare your current job with a potential offer abroad across net pay, lifestyle costs, and long-term wealth projections.

6 countries modelledFull tax modellingLifestyle cost comparison10-year wealth projectionsShare & export
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Net pay is only half the story

A higher gross salary in an expensive city can leave you worse off than a lower offer somewhere cheaper. This calculator adds lifestyle costs — rent, transport, childcare, groceries — so the winner is whoever leaves you with more money, not more zeros on the offer letter.

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One workflow, two complete offers

Both offers use the same tax engine and lifestyle model — no stitching together separate calculators with inconsistent assumptions. Change one input and both sides update instantly so the comparison is always apples-to-apples.

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10-year wealth projections built in

Salary today matters less than what you accumulate over time. The calculator shows long-term savings and wealth trajectories for both offers so you can see which one builds more wealth — even if the monthly surplus looks similar right now.

Real example

A $160,000 offer in San Francisco vs a £95,000 offer in London. After tax and cost of living, the London offer can leave you saving more each month — and ahead on 10-year wealth. Enter both offers to see your version.

Current Job in United Kingdom
Offer A
Base salary (annual)
£
Car allowance (annual)
£
Bonus (annual)
£
RSUs (annual)
£
Any other allowances or income (annual)
£
Benefits Value (annual)
£0
Gift Aid donations (annual)
£
Professional body subscriptions
£
Flat rate job expenses
£
Monthly Rent
£0
Monthly Transport
£0
Eating Out (times / month)
0x
Savings Target
0%
Travel Home (trips / year)
0 trips
Take-Home
£0
/ month
Lifestyle
£0
/ month
Surplus
£0
/ month
The Verdict
Both offers are roughly equal
United Kingdom vs India · surplus compared in GBP
Net Take-Home
Offer A (UK)£0/mo
Offer B (IN)£0/mo
After tax & deductions
Monthly Surplus
Offer A (UK)£0
Offer B (IN)£0
Income minus lifestyle costs
3Y Net Worth
Offer A (UK)£0
Offer B (IN)£0
Projected savings + investments (GBP)
Purchasing Power
Offer A (UK)0 pts
Offer B (IN)0 pts
NYC = 100 baseline index
Risk Score
Offer A (UK)0/100 (—)
Offer B (IN)0/100 (—)
FX volatility + inflation + stability
Total Package
Offer A (UK)£0
Offer B (IN)£0
Salary + pension match + benefits
Projection Timeline
Salary Increment
UK3.5%
IN9%
Annual raise applied to surplus
Investment Return
UK7%
IN12%
Expected annual return on savings
Retirement Return
UK7%
IN9%
Expected return on pension / retirement funds
Rent Hike
UK+5%
IN+10%
Inflation
UK3.5%
IN5.5%
INR weakens vs GBP
−2%
Wealth Accumulation
Projected in GBP
Liquid only Returns: United Kingdom 7% / India 12%
£0£0£1£1£1NowY1Y2Y3£0£0
Offer A (United Kingdom)
Offer B (India)

Know your one-time moving costs

Estimate visa fees, flights, shipping, deposits and first-month setup before you make the move.

Try Relocation Cost Calculator

Preview your monthly lifestyle budget

Compare rent, transport, groceries and everyday living costs to see how your lifestyle changes by city.

Try Cost of Living Calculator

Guide & methodology

About Job Offer Comparison Calculator

How this tool works, what data we use, and how to get reliable results. Use the table of contents to jump ahead—ideal for relocation, HR, and finance planning workflows.

On this page▾

Overview

Compare two international job offers in one workflow: take-home pay, monthly lifestyle spend, inflation, savings rate, and long-term wealth-style projections. Built for relocation decisions--so recruiters and candidates can align on surplus, risk, and trajectory--not only headline gross pay.

The verdict combines modeled net compensation with lifestyle inputs you control (rent, transport, childcare, and so on), so the winner reflects who leaves you better off after the way you actually live.

Candidates choosing between two countries or cities; HR and mobility teams explaining trade-offs to hires; and couples who need one view that connects pay, spend, and savings--not a spreadsheet per country.

Wiser Move USP

What this tool does differently from typical salary or relocation calculators—specific to Job Offer Comparison Calculator.

  • True side-by-side Offer A vs Offer B in one workflow: both countries use the same take-home engine and the same lifestyle model, so you are not stitching together two separate calculators with inconsistent assumptions.
  • Cross-border by design--compare different tax residencies, currencies, and gross packages while keeping savings rate, inflation, and spend categories aligned between offers.
  • Household-aware lifestyle sliders (housing, transport, childcare, travel) so the verdict reflects how you live, not a generic COL index; long-range surplus and projection views for negotiation and partner conversations.

Key features

  • One dashboard for surplus, risk framing, and wealth outlook charts--built for storytelling to a partner or manager.
  • Lifestyle sliders mirror rent, transport, childcare, and travel so the comparison matches your household, not a generic index.
  • Pairs naturally with the Relocation Cost Calculator for one-time cash and Take-Home Pay for pure tax drill-down.
  • Side-by-side offer A vs offer B with consistent assumptions you can tune.
  • Connects inflation and savings assumptions to long-range projections (indicative, not a guarantee of returns).
  • Export or share flows (where enabled) for async decision-making.

How to use this tool

  1. 1. Define both offers honestly

    Enter gross base, bonus, and recurring equity (where you model it as income) for each side. All compensation inputs should be gross (before tax), consistent with the Take-Home Pay Calculator. Match currency and country to where you expect to be payroll-tax resident, then complete country-specific fields.

  2. 2. Align lifestyle assumptions

    Adjust housing, transport, food, childcare, travel, and other spend so each offer is judged against the same standard of living. If one city requires a car and the other does not, reflect that--otherwise the comparison can favor the wrong offer.

  3. 3. Set savings and inflation

    Choose a savings rate or monthly savings target and inflation assumptions where offered. These drive surplus and projection charts; small changes can flip perceived winners when gross pay is close.

  4. 4. Read the verdict, then stress-test

    Use the verdict summary and charts as the main story. Then stress-test: raise rent, add a child, or lower bonus. If the winner flips easily, treat the decision as risk-sensitive and worth more buffer or negotiation.

Methodology & logic

Job Offer Comparison reuses take-home modeling for each jurisdiction, then layers user-controlled spend categories to estimate monthly surplus (income minus modeled spend minus savings). Long-horizon views apply your assumptions to illustrative wealth paths--useful for relative comparison, not a forecast of investment results.

The methodology prioritizes transparency: you can trace major inputs from gross to net to spend to surplus. We avoid black-box scores where possible in favor of labeled metrics.

  • Projections are not investment advice; market returns, tax changes, and career paths will differ from any straight-line illustration.
  • Equity and illiquid compensation need separate liquidity and risk judgment.

Data & sources

Tax and net-pay inputs follow the same configuration-backed rules as the Take-Home Pay Calculator. Spend defaults draw from Wiser Move lifestyle/COL modeling where linked; adjust sliders to your household.

  • Default spend hints (when shown) are indicative; override them when you have real quotes (rent, school fees, insurance).

Limitations

  • Does not replace legal, tax, or investment advice.
  • Cannot capture every employer benefit (ESPP nuances, cliff vesting, local stock tax) without manual approximation.
  • One-time relocation cash belongs in the Relocation Cost Calculator, not in recurring surplus.

Frequently asked questions

Can I compare equity or RSUs?
Include recurring equity as modeled income where the UI allows; treat illiquid grants with separate risk and liquidity judgment outside the headline verdict.
Where do relocation costs fit?
Use the Relocation Cost Calculator for visas, flights, deposits, and setup cash. Keep this tool focused on recurring finances and long-run surplus.
Which offer wins if net pay is similar?
Often cost of living, career optionality, tax stability, and savings rate decide. Expand lifestyle inputs and review sensitivity before deciding.
Coming soon — we're working on it!