Compare two job offers side-by-side — real take-home pay, adjusted for cost of living.
Enter two offers — we calculate take-home pay, rent-adjusted disposable income, and real purchasing power. You get a verdict.
| Metric | Offer A | Offer B |
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Try Wise for Free →1. Gross salary in local currency — you enter this directly.
2. Tax & social security — calculated using the progressive income tax brackets and social security rates for each city's country.
3. Take-home converted to USD — using ECB reference rates for a like-for-like comparison.
4. Rent deducted — average 1-bedroom rent for each city (USD/month) is subtracted to show after-rent disposable income.
5. Real purchasing power — after-rent disposable income is adjusted by the city's actual non-rent cost basket (groceries, utilities, transport, healthcare) relative to New York. This avoids double-counting rent and uses granular per-category data rather than a blunt cost-of-living index.
Tax calculations are estimates for a single filer with no special deductions. Actual figures depend on your individual circumstances. Data sources →
Enter the city, currency, and gross salary for each offer. The tool adjusts both salaries for the local cost of living index, calculates estimated take-home pay after taxes, and converts everything to a common baseline — making it easy to see which offer gives you more real purchasing power, not just a bigger number on paper.
A cost of living adjustment converts a nominal salary into its real purchasing power for a specific city. A $100,000 salary in New York City and a $70,000 salary in Austin can translate to almost identical lifestyles once local rent, groceries, and transport costs are factored in. Without this adjustment, comparing offers across cities is misleading.
It depends on the size of the pay cut relative to the cost of living difference. A 20% salary reduction moving from San Francisco to Denver could still leave you better off financially — Denver is roughly 40–50% cheaper for housing. Use the offer evaluator to run the exact numbers for your situation before deciding.
The tool applies country-level effective tax rate estimates based on income brackets, including income tax and social contributions. These are approximations — actual take-home pay varies based on individual circumstances and local regulations. Use the results as a reliable guide, but consult a tax professional for precise figures.
Yes. Select the appropriate currency for each offer and the tool converts both to a common baseline using current exchange rates and local purchasing power. This makes it possible to meaningfully compare a £65,000 offer in London against a €75,000 offer in Amsterdam or a $110,000 offer in Toronto.