Methodology and accuracy limitations

Last reviewed: October 2026. WorthIt? is a directional comparison tool for US job offers, not a substitute for an accurate tax return or verified apartment listing. We publish these limitations to help visitors interpret the results responsibly.

Federal income tax

The model estimates 2026 federal income tax using single-filer brackets and the standard deduction. It assumes a full-year US-resident W-2 employee under age 65 with no dependents. It does not cover all tax credits, itemized deductions, special earnings deductions, multiple jobs or every employer benefit. Compare figures against the IRS Tax Withholding Estimator.

Payroll taxes

Social Security and Medicare deductions are modelled with published annual limits and applicable wage rules, with adjustments for supported pre-tax deductions. The calculation is a planning estimate, not an employer pay stub. Check Social Security Administration information for current parameters.

State and city taxes: important limitations

State income taxes and selected local income taxes use simplified rules. Some states, cities, counties, school districts and occupational taxes are not covered or not independently verified. Residents who work across state lines are not properly modelled. Treat unverified state/local estimates as incomplete; verify them with the relevant state revenue department and a qualified tax professional before deciding on a job or move.

Housing and cost-of-living scenarios

Suggested monthly costs are editable planning assumptions, not observed city averages, current rental listings or independently audited local cost surveys. Where no suggested budget is available, users must supply expenses. A city with no available preset does not have a zero cost of living. The NYC 1-bedroom example uses a defined FY2026 HUD metropolitan fair-market-rent benchmark, which is not a Manhattan median asking rent or an apartment guarantee.

Useful resources: HUD Fair Market Rents, MIT Living Wage Calculator (for independent consultation), and actual listings for the neighbourhood and housing type you intend to rent.

What the comparison does not capture

How to check the result

Start with both employment offer letters. Check wage and benefit assumptions; verify your address-specific rent; consult the IRS, state/local tax authority, and professional advice if the decision is significant. We welcome reports of discrepancies through the contact page.