Which offer is worth more once you count what actually reaches your bank account? This weighs salary, bonus, 401(k) match and vesting, HSA money, stock, health costs and the commute, after 2026 taxes, over the years you expect to stay. Runs in your browser; we don't store what you enter.
Stacked bars for each year you stay, one for each offer: take-home pay, retirement money that has vested, employer HSA money, stock after tax and the value of time off, with health and commute costs below zero. A line marks the running difference between the offers. The full figures are in the year-by-year table below.
| Year | Offer | Take-home pay | 401(k), vested | HSA | Stock after tax | Health + commute | Time | Total |
|---|
| Scenario | Offer A | Offer B | Difference | Ahead |
|---|
Totals over your stay, in today's dollars. Each row changes one thing.