Use Ocity's Offer Decoder to compare salary, annual bonus, equity, 401(k), health insurance,
taxes, and local cost of living in one flow. This job offer comparison calculator answers the real question:
will the offer improve your monthly cash flow and long-term lifestyle?
The offer creates real savings room after taxes, deductions, and local living costs.
Offer City
New York, NY
Compared against Austin, TX
Offer city rank for this package
#693
Out of 714 comparable cities
Offer Terms
Model the package the recruiter actually put on the table.
Household Setup
These assumptions drive taxes, burn rate, and affordability.
Recurring Spendable Cash
$91,468
After estimated taxes, 401(k), and health premiums.
Monthly Leftover
$3,218
What remains after your modeled monthly living costs.
Year 1 Cushion
$5,897
Extra first-year surplus driven mostly by the sign-on bonus.
Current City Equivalent
$114,206
Gross comp needed in your current city to buy roughly the same lifestyle.
Offer City Snapshot
Recurring gross comp$155,000
Estimated total tax$47,292
401(k) contribution$12,400
Health premium$3,840
Living costs$52,848
Annual leftover$38,620
Offer Composition
Base salary$130,000
Annual bonus$13,000
Annual equity$12,000
Sign-on bonus$10,000
Tax rate30.5%
Housing share32.2%
Current Situation
Current gross salary$95,000
Spendable cash$65,451
Living costs$39,144
Annual leftover$26,307
Move Delta
Annual surplus change$12,313
Monthly surplus change$1,026
Break-even offer needed$132,046
Above or below break-even$22,954
Salary Counteroffer Generator
Turn the model into a cleaner negotiation floor, stretch ask, and package structure.
You are already above the modeled floor. Use $161,000 as a stretch ask, or trade the leverage for a larger sign-on bonus or stronger recurring equity.
Counteroffer Range
Floor
$155,000
Stretch ask
$161,000
Gap to Floor
$0
How much recurring gross comp is missing from your modeled floor.
Gap to Stretch
$6,000
Negotiation room above the floor so you do not settle too low.
Current Gross
$155,000
Recurring comp now modeled in the offer.
Break-even Signal
$132,046
Uses current-city parity when available, otherwise targets a safer yearly cushion.
Base salary first
$161,000
Base salary$135,000
Sign-on bonus$10,000
Annual equity$12,000
Year 1 gross$171,000
Best when you want the strongest recurring cash flow and a cleaner future raise base.
Base + sign-on bridge
$155,000
Base salary$130,000
Sign-on bonus$16,000
Annual equity$12,000
Year 1 gross$171,000
Useful when the company resists a large recurring bump but can flex on first-year cash.
Base + equity mix
$161,000
Base salary$133,000
Sign-on bonus$10,000
Annual equity$15,000
Year 1 gross$171,000
A good ask when the team values equity flexibility more than pure salary.
Offer Match by City
See where the same package goes furthest after taxes and modeled living costs.
The ranking below keeps your salary, bonus, equity, 401(k), health premium, and lifestyle assumptions fixed. Only the city changes. That makes it a practical answer to the question: where does this offer actually stretch the furthest?
Projected annual surplus clears a strong savings threshold for most households.
This move could improve yearly surplus by more than $10k versus your current setup.
This offer buys more lifestyle than the headline salary suggests.
Risks
No severe financial red flags under the current assumptions.
Decision Report
Open a print-friendly report for this exact package, then save it as a PDF from your browser.
Living Cost Mix
Modeled with your current housing mode, family size, and lifestyle.
Housing
$2,451
per month
Food & Dining
$828
per month
Transport
$675
per month
Utilities
$281
per month
Lifestyle
$169
per month
401(k) modeled as pre-tax, capped at $24,000
Health premium treated as payroll cash outflow
Current city comparison turns on when current salary is above 0
What this job offer calculator includes
Most salary calculators only estimate taxes. Offer Decoder is built for people deciding whether to accept a
job offer, relocate to another city, or negotiate compensation. It combines pay package details with living-cost
reality so the result is closer to how the move will feel in your bank account.
Compare base salary, annual bonus, equity, and sign-on bonus in one job offer calculator
Estimate taxes, payroll deductions, and pre-tax 401(k) impact
Model monthly health insurance costs before judging an offer
Compare cost of living between the offer city and your current city
Calculate equivalent salary needed to preserve your lifestyle
See annual and monthly leftover cash after living costs
Why headline salary is misleading
A raise can disappear quickly once you account for state taxes, local taxes, benefit deductions, and higher housing costs.
A $140k offer in an expensive city can leave less disposable income than a $110k role in a cheaper market.
Built for relocation decisions
This offer comparison calculator is strongest when you are comparing cities. It estimates equivalent salary and break-even comp,
so you can see what number actually preserves your current lifestyle before you move.
Useful for negotiation
If the package is below your modeled break-even line, you have a clear negotiation target. That number is often more useful
than arguing over a vague market range because it is tied directly to taxes, benefits, and living costs.
When to use the Offer Decoder
This page is designed for practical decision-making, not abstract salary math. If you have a real offer in hand or expect one soon,
these are the situations where the model is most useful.
Evaluate a relocation offer
Check whether a bigger salary in a higher-cost city still leaves you with more spendable cash.
Compare two compensation packages
Use bonus, equity, and benefits math to see which offer is actually stronger after taxes and living costs.
Prepare for negotiation
Find the break-even comp number you need before accepting a job offer or making a counter.
How the model works
1. Decode the package
Base salary, annual bonus, recurring equity, and sign-on bonus are translated into recurring compensation and first-year compensation views.
2. Strip out real cash
The model estimates taxes, subtracts pre-tax 401(k) savings, and removes health insurance costs before judging your usable cash.
3. Compare the move
Ocity compares the offer city against your current city, then estimates leftover cash and the equivalent salary needed to keep the same lifestyle.
Estimates are directional, not legal or tax advice. Use them to reject weak offers faster, negotiate with cleaner numbers, and shortlist cities more rationally.
Frequently asked questions
These questions target the most common job offer calculator and relocation comparison searches users make before accepting a new role.
What does the Offer Decoder job offer calculator include?
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The calculator combines salary, annual bonus, equity, sign-on bonus, estimated taxes, 401(k) contributions, health insurance costs, and city-specific living costs. The goal is to show whether a job offer improves your real monthly and annual leftover cash, not just the headline salary.
How is this different from a salary calculator?
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A salary calculator usually stops at take-home pay. Offer Decoder goes further by subtracting benefits costs and matching your offer against local housing and living costs, so you can judge whether the move actually improves your lifestyle.
Can I compare my current city with the new offer city?
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Yes. The tool is built for city-to-city comparison. You can enter your current salary and city, then compare equivalent salary, leftover cash, and the break-even compensation needed in the offer city.
Is this job offer comparison calculator good for negotiation?
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Yes. One of the most useful outputs is the break-even compensation threshold. That gives you a defensible number to use when negotiating salary, sign-on bonus, or recurring equity.
Does the Offer Decoder provide tax or legal advice?
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No. The estimates are directional and designed for planning and negotiation. They are useful for comparing options quickly, but they are not a substitute for a tax professional or attorney.
Related relocation and salary tools
If the offer looks close, these tools help you pressure-test the move from different angles before you say yes.