Job Offer Comparison Calculator

Use our free calculator to compare two job offers side-by-side — see total package value after salary, pension, bonus, benefits and commute costs.

Compare Two Job Offers

Offer A

Offer B

Frequently Asked Questions

How do I compare two job offers fairly?

Look beyond the headline salary. Calculate net take-home pay, add employer pension contributions, subtract commute costs and compare benefits like private medical, car allowance, and annual leave days.

Should I accept a higher salary with lower pension?

Not necessarily. A £3,000 higher salary might be worth less than a 5% employer pension contribution on a £45,000 salary (worth £2,250/year tax-free). Use our calculator to compare total package value.

How much is private medical insurance worth?

Corporate private medical insurance typically costs employers £800–£1,500 per employee per year. As a benefit-in-kind, you pay tax on it (20% = £160/yr for basic rate taxpayers), but it's still worthwhile if you'd otherwise pay premiums.

Does commute cost affect which job offer is better?

Absolutely. A £3,000 salary increase becomes negligible if commute costs rise by £3,600/year. Our calculator deducts commute costs to show real financial gain.

What other job offer factors aren't in this calculator?

Holiday entitlement (extra days = salary value), flexible/remote working (saves commute), bonuses beyond annual, training budget, company car, death-in-service, and career progression speed.

How is take-home pay calculated here?

We apply 2025/26 income tax bands (personal allowance £12,570, 20% basic rate, 40% higher rate) and Class 1 employee NI contributions (8% on £12,570–£50,270, 2% above).

Can I compare a permanent job vs. contracting?

For contracting comparisons, use our separate IR35 calculator which accounts for employer NI savings, dividend income, and business expenses unique to contractors.

What if one job has a car allowance?

Add the car allowance to the gross salary for that offer. If it's a company car instead, check our company car tax calculator to find the true after-tax benefit value.

How do I value extra annual leave days?

Divide gross salary by 260 working days to get daily rate. Each extra holiday day is worth that amount. For example, £45,000 / 260 = £173 per extra day.

Is employer pension contribution guaranteed?

Statutory minimum employer pension is 3% (2026). Many employers offer more. Check if the contribution is on qualifying earnings only (capped at £50,270) vs. total salary — this affects the actual value.

Should location affect my job offer comparison?

Yes — especially for home ownership, cost of living, and income tax (Scotland has different rates). A London salary of £50,000 goes much further in the North.

What if the job offer includes equity/shares?

Add estimated annual vesting value to the package. Use our employee share scheme calculators to estimate after-tax value of SARs, EMI options, or share save schemes.