Job Change ROI Calculator
Salary + commute + tax + cost-of-living — full picture
Current job
New offer
📚 Learn more — how it works, FAQ & guide Click to expand
Learn more — how it works, FAQ & guide
Click to expand
Job Change ROI — The Full Picture
"$25K raise!" sounds great until you account for higher tax bracket, longer commute, higher cost of living, equity haircut, and lost time. This tool computes real annual delta after everything.
How to use this tool
- 1
Enter both offers
Base + bonus + equity + benefits.
- 2
Add hidden costs
Commute, relocation, lifestyle change.
- 3
See real take-home
After tax, after commute, after sleep.
Frequently Asked Questions
Why isn't base salary enough?
A $20K raise can be net negative if you commute 90 min more daily, relocate to a higher CoL city, or lose remote-work flexibility. The "raise" only pays off when total comp − total cost is higher.
How do you value commute time?
At your hourly equivalent. 90 min/day × 5 days × 50 weeks = 375 hours/year. At $50/hr that's $18,750 of personal time you're selling.
What about equity?
Discount equity by 50–70% for vesting risk + dilution + tax. Public RSUs ≈ 70% face value. Pre-IPO options ≈ 0–30% depending on stage.
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100% Privacy. This tool runs entirely in your browser. Your data is never uploaded to any server.