Offer calculator

Compare offers by what you actually keep

Enter 2–3 offers. See total comp and after-tax take-home for each of the first four years, with 2026 federal, Social Security, Medicare and state tax, RSU vesting schedules, 401(k) match and ESPP.

Estimate, not tax advice. Everything is calculated in your browser. Nothing is uploaded. The numbers below are an example. Replace them with your offers.

Your situation

Filing status

Age (401(k) catch-up)

Cost-of-living view

Itemized deductions (optional)

Used only if larger than the standard deduction. State income tax from each offer is added automatically, within the SALT cap.

Property tax / year

Mortgage interest, charity / year

Offers

Work location

Cash

Base salary / year

Target bonus, % of base

Sign-on bonus, year 1

Sign-on bonus, year 2

Sign-on bonuses usually must be repaid (often prorated) if you leave within 12–24 months. Check your offer letter.

Stock (RSU)

RSU grant value (total)

Dollar value of the whole initial grant at grant price, vesting over 4 years.

Vesting schedule

Even 4-year vest

Vests every

Assumed stock growth / year, %

1-year cliff (nothing vests before month 12)

0 = today’s price. Applies to RSUs and ESPP. A guess, not a forecast.

Annual refresher grant

Assumed granted at the start of years 2, 3 and 4, vesting evenly over 4 years. Refreshers are rarely guaranteed.

401(k) $25k

Your pre-tax contribution / year

2026 limit for you: $24,500.

Employer match, % of your contribution

Matched up to % of base

Match dollar cap (0 = none)

ESPP 10%

Contribution, % of base

Discount %

Lookback (buy at the lower of start/end price)

Two 6-month periods a year, shares sold at purchase. Limited to $25,000 of stock (valued at the offering start) per year.

Housing (optional)

Rent or housing cost / month

Subtracted from take-home in the “after housing” row.

Work location

Cash

Base salary / year

Target bonus, % of base

Sign-on bonus, year 1

Sign-on bonus, year 2

Sign-on bonuses usually must be repaid (often prorated) if you leave within 12–24 months. Check your offer letter.

Stock (RSU)

RSU grant value (total)

Dollar value of the whole initial grant at grant price, vesting over 4 years.

Vesting schedule

Back-loaded (Amazon-style)

Vests every

Assumed stock growth / year, %

1-year cliff (nothing vests before month 12)

0 = today’s price. Applies to RSUs and ESPP. A guess, not a forecast.

Annual refresher grant

Assumed granted at the start of years 2, 3 and 4, vesting evenly over 4 years. Refreshers are rarely guaranteed.

401(k) $25k

Your pre-tax contribution / year

2026 limit for you: $24,500.

Employer match, % of your contribution

Matched up to % of base

Match dollar cap (0 = none)

ESPP

Contribution, % of base

Discount %

Lookback (buy at the lower of start/end price)

Two 6-month periods a year, shares sold at purchase. Limited to $25,000 of stock (valued at the offering start) per year.

Housing (optional)

Rent or housing cost / month

Subtracted from take-home in the “after housing” row.

Results

Offer B leaves you $1,740 more after tax over 4 years

Take-home includes vested stock at the assumed price; 401(k) money is shown separately.

Results	Offer ASan Jose / Silicon Valley, CA	Offer BSeattle / Bellevue / Redmond, WA
Total comp · Year 1	$369,529	$284,800
Total comp · Year 2	$354,529	$306,800
Total comp · Year 3	$369,529	$361,800
Total comp · Year 4	$384,529	$361,800
Total comp · 4-year total	$1,478,118Highest	$1,315,200
After-tax take-home · Year 1	$210,986	$183,754
After-tax take-home · Year 2	$202,691	$197,885
After-tax take-home · Year 3	$210,986	$232,023
After-tax take-home · Year 4	$219,282	$232,023
After-tax take-home · 4-year total	$843,945	$845,685Highest
401(k) added (you + match) · 4-year total	$122,000	$113,200
Effective tax rate	34.7%	27.1%

¹ Base + bonus + sign-on + vested RSUs + employer 401(k) match + ESPP gain.
² Total comp minus taxes, minus your 401(k) contribution and the employer match (shown separately), with vested RSUs counted at the assumed price.

After-tax take-home by year

Offer AOffer B

Year-by-year breakdown

Offer A · $843,945

Year-by-year breakdown	Y1	Y2	Y3	Y4	4-year total
Income
Base salary	$200,000	$200,000	$200,000	$200,000	$800,000
Bonus	$30,000	$30,000	$30,000	$30,000	$120,000
Sign-on	$30,000	$0	$0	$0	$30,000
RSU vesting (initial grant)	$100,000	$100,000	$100,000	$100,000	$400,000
RSU vesting (refreshers)	$0	$15,000	$30,000	$45,000	$90,000
ESPP discount gain	$3,529	$3,529	$3,529	$3,529	$14,118
Employer 401(k) match	$6,000	$6,000	$6,000	$6,000	$24,000
Total comp	$369,529	$354,529	$369,529	$384,529	$1,478,118
Taxes
Federal income tax	$77,826	$73,065	$77,826	$82,588	$311,305
Social Security (6.2%)	$11,439	$11,439	$11,439	$11,439	$45,756
Medicare (1.45%)	$5,220	$5,003	$5,220	$5,438	$20,880
Additional Medicare (0.9%)	$1,440	$1,305	$1,440	$1,575	$5,760
State income tax	$27,438	$26,043	$27,438	$28,833	$109,751
CA SDI (1.3%, no wage cap)	$4,680	$4,485	$4,680	$4,875	$18,720
Total tax	$128,043	$121,339	$128,043	$134,747	$512,172
Your 401(k) contribution (pre-tax)	$24,500	$24,500	$24,500	$24,500	$98,000
After-tax take-home	$210,986	$202,691	$210,986	$219,282	$843,945
Federal marginal rate	35%	35%	35%	35%

Offer B · $845,685

Year-by-year breakdown	Y1	Y2	Y3	Y4	4-year total
Income
Base salary	$190,000	$190,000	$190,000	$190,000	$760,000
Sign-on	$70,000	$50,000	$0	$0	$120,000
RSU vesting (initial grant)	$21,000	$63,000	$168,000	$168,000	$420,000
Employer 401(k) match	$3,800	$3,800	$3,800	$3,800	$15,200
Total comp	$284,800	$306,800	$361,800	$361,800	$1,315,200
Taxes
Federal income tax	$53,384	$60,609	$79,859	$79,859	$273,712
Social Security (6.2%)	$11,439	$11,439	$11,439	$11,439	$45,756
Medicare (1.45%)	$4,075	$4,394	$5,191	$5,191	$18,850
Additional Medicare (0.9%)	$729	$927	$1,422	$1,422	$4,500
WA Cares Fund (0.58%)	$1,630	$1,757	$2,076	$2,076	$7,540
WA Paid Family & Medical Leave (employee share)	$1,489	$1,489	$1,489	$1,489	$5,957
Total tax	$72,746	$80,615	$101,477	$101,477	$356,315
Your 401(k) contribution (pre-tax)	$24,500	$24,500	$24,500	$24,500	$98,000
After-tax take-home	$183,754	$197,885	$232,023	$232,023	$845,685
Federal marginal rate	32%	35%	35%	35%

Withholding is not what you owe

Bonuses, sign-on and RSU vests are “supplemental wages”. Employers usually withhold a flat 22% federal (37% on supplemental pay above $1M in a year) and, in some states, a flat state rate. If your real marginal rate is higher, you owe the difference at filing time.

Offer A

Federal · Estimated withholding: $66,054
Federal · Actual tax: $77,826
Likely due at filing: $11,772

State (10.23%) · Estimated withholding: $28,444
State · Actual tax: $27,438
Likely refund: $1,007

Offer B

Federal · Estimated withholding: $48,474
Federal · Actual tax: $53,384
Likely due at filing: $4,910

State: No flat supplemental rate modelled for this state.

Year 1. Withholding on base salary is approximated as the tax on base alone; your W-4 and payroll system may differ. Spouse income is ignored here.

How this is calculated

Each “year” is an employment year treated as one tax year, using 2026 tax law for all four years. Brackets are not inflation-adjusted for later years, and salary is held flat.
RSUs are taxed as ordinary wages when they vest, at the value on the vest date (initial grant price × assumed growth). Gains or losses after vesting are not modelled.
ESPP shares are assumed sold on the purchase date (a disqualifying disposition): the discount is ordinary income, not subject to Social Security or Medicare tax.
The 401(k) contribution is pre-tax for federal and state income tax but still subject to Social Security and Medicare. Roth 401(k) is not modelled.
Standard deduction unless your itemized amounts are larger. No credits (child tax credit etc.), no other income, no AMT.
Bonus is paid in full in year 1 (some employers prorate the first year). Refreshers and bonuses are targets, not promises.
Local taxes: New York City resident tax and Portland-area taxes where you pick them. Other city or county taxes (e.g. some Ohio or Pennsylvania localities) are not included.

California: 2026 brackets not published yet (FTB usually posts them in December); 2025 schedule used.

Washington: No income tax on wages. WA’s capital gains tax applies to long-term gains on stock you sell, not to RSU vesting income. Some workers (e.g. certain temporary-visa holders) may qualify for a WA Cares exemption: check wacaresfund.wa.gov.

Official sources

What we could not verify

California 2026 tax brackets are not published yet; 2025 FTB schedules are used (EDD’s 2026 withholding tables use the same bracket edges).
New Jersey has not published a 2026 rate schedule; the 2025 schedule (unchanged since 2020) is used.
Colorado’s 2026 income tax rate: 4.40% is the 2026 withholding rate; whether a TABOR refund mechanism lowers the 2026 rate is not known yet.
North Carolina’s 2026 married-joint standard deduction ($25,500) is assumed unchanged; only the single amount was confirmed for 2026.
Massachusetts: the personal exemption page is undated, and the $2,000 deduction for Social Security / Medicare contributions is applied from Form 1 rules we could not re-check on mass.gov (the site blocked automated access).
Illinois, New Jersey, Massachusetts, Oregon, Colorado and Washington: no flat supplemental withholding rate was found, so the withholding comparison covers federal only for these states.
Oregon’s 2026 brackets and standard deduction come from the 2026 withholding formulas, not final return instructions.
ESPP: plans differ (offering length, purchase caps, holding rules). The model assumes two 6-month offerings and immediate sale.