Compare your options
Start with city and pay. Fine-tune your budget when ready.Before deciding: City budgets are illustrative, not average rents or live market quotes. Tax estimates assume a single W-2 employee; local taxes and personal deductions may differ. Changing a city does not overwrite your customised expenses—click “Use suggested budget” to load that city’s scenario.
Calculating…
Estimated monthly income left after taxes and selected living costs.
The decision, explained
Break-even pay, moving costs and savings
Explore what-if scenarios: roommates or higher rent
🏡 Shared-housing scenarios
Many students and young professionals share a home. Try cutting the housing bill to see how quickly the verdict changes. These are scenarios, not market rent quotes.
Shared housing scenario sets each housing input to 60% of its current value. Utilities are unchanged. Always replace with an actual quote.
Where your money goes
Monthly averages · USD| Breakdown | Option A | Option B |
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Important: This is a directional planning tool, not a tax return, payroll calculation or guaranteed local cost-of-living quote. Federal income tax uses 2026 single-filer standard deduction and brackets; FICA uses the 2026 Social Security cap and Medicare tax. State and municipal tax models are simplified estimates for the locations provided, and don't account for individual credits, special deductions, all local occupational taxes, non-resident work taxes, cross-state commuting, investment income, tax treaties, overtime/tip deductions, or alternative filing statuses. Assumes single W-2 employee, no dependents, US tax residency, age under 65, full-year employment. Traditional 401(k) and explicitly pre-tax health premiums reduce the modeled federal taxable income, while pre-tax health premiums also reduce payroll-tax wages. The healthcare spending input is additional out-of-pocket spending and should not duplicate the pre-tax premium. State deduction rules may differ. No employer match is assumed. Review with a tax professional before making a financial decision. Default monthly costs are hypothetical editable starter budgets for one adult living alone; not verified or representative city averages, not averages, market quotes or MIT published cost estimates. Shared housing, dependents, car ownership and neighborhoods can change results dramatically.
Official tax resources: IRS 2026 tax parameters · SSA payroll taxes · Tax Foundation state schedules. For NYC, the example is a FY2026 1-bedroom HUD metro FMR of $2,655, including most utilities, per NYCHA. For other rent benchmarks see HUD 2026 Fair Market Rents (not city average asking rents). For independent local expenses, check MIT Living Wage Calculator and current housing listings. Values are not automatically updated.
Questions worth asking before you move
Why isn't my take-home pay exactly like my paycheck?
This compares estimated annual tax liabilities, not payroll withholding. Credits, filing status, benefits and employer deductions can change your actual check. The federal estimate uses a single filer with a standard deduction. State taxes are approximations.
Are the city budgets real-time rental listings?
No. They're editorial starting scenarios for an adult living alone, not audited local averages, and not representative of a specific apartment size or ZIP code. Edit rent based on listings and your household. NYC 1-bedroom scenarios use the $2,655 FY2026 HUD metro fair market rent (gross rent including most utilities), not a citywide average or live listing. For actual rent use current listings; for rental benchmarks see HUD FY2026 fair-market rents (40th-percentile gross rents, not average asking prices); for research-based basic expenses see MIT Living Wage Calculator. We do not reproduce MIT's restricted data.
Can I compare a job that pays hourly?
Yes. Switch the pay type and enter hours per week. We assume 52 paid weeks. Overtime, tips, bonuses and unpaid time off are not calculated.
What about working in one state and living in another?
That requires separate resident and work-state tax treatment. This version assumes both are in the selected location and is not suitable for multi-state employment.
Make a more informed move
Salary is only part of a job offer. Use these short guides to understand the inputs, limitations and trade-offs behind your comparison.