One adjusted number for every package you're weighing — current role included — after taxes, cost of living, and benefits. See how far apart they really land.
Offer map
Pick a scenario below, click a pin. $41,542 spread between best and worst in this set.
Prioritizing family relocation stability, school districts, and high-coverage healthcare.
Verona
Adjusted
$116,061
Epic Verona at $116.1k adjusted on a $168k gross — Wisconsin tax and 5-day office commute are offset by Madison area rent relief and premium healthcare.
Next steps & action plan
RECOMMENDED FIT (Family/Schools focus). Next step: Negotiate base to $185k using NYC/Remote numbers.
Key drivers
Source disclosures
Tax Foundation 2026 progressive schedules · C2ER COLI quarterly benchmarks · BLS employer benefit surveys · Role schedule and location friction signals · Tax drag figures are modeled purchasing-power deltas, not total tax liability
The formula
Offer letters show a headline. We model compensation, benefits, work structure, location, growth signals, and intangibles — then layer in tax, cost-of-living, and market benchmarks so everything normalizes into a single adjusted value.
Why this exists
Compensation is designed to look better than it is. Every factor below is deliberately left out of the headline number.
How it works
Negotiation draft
WhatsMyOffer writes your negotiation email from your adjusted value data — specific, calm, and grounded in math, not sentiment.
Hi Sarah, I want to be direct: I'm excited about this team, but the adjusted value still leaves a meaningful gap after I run the full model. Your offer's $180,000 headline base is the strongest on paper. Once New York state tax, Manhattan rent indexing, and the 401k match gap are applied, my adjusted value lands at $96,863 — versus a remote competing offer at $126,780 on a $165,000 base. That's a $29,917 annual purchasing-power gap, not a rounding error. I'm not using the competing offer as a threat — I want to be here. But I need us to close the gap with a base adjustment to $175,000, a 5% 401k match (currently 3%), or formalized remote flexibility with a documented stipend. Any of those would bring the adjusted values into alignment and let me sign with confidence. Happy to walk through the breakdown together if that helps move this forward. Looking forward to closing this out, Marcus
After the report
AI models excel at strategy, but struggle with progressive tax and cost-of-living arithmetic. Avoid calculation errors by feeding them our completed, authoritative report. Pick a scenario, copy the export, and extend your knowledge.
Full report unlock
The teaser shows you who wins. The full report shows you why — every signal, every risk flag, and the negotiation brief to act on it. Your Decision Pass includes 10 full report runs over 90 days.
50% launch discount
One-time Decision Pass · 10 full reports · 90-day access window
$34k
avg. spread users uncover
$15
launch Decision Pass
90d
access window
Users routinely find $10k–$50k in value they would have left on the table. A Decision Pass costs less than most signing-bonus rounding errors.
Join the waitlistFAQ
Adjusted value applies a modeled tax drag (the purchasing-power penalty of each metro's tax regime vs a low-tax baseline), your city's cost-of-living index, the dollar value of employer benefits (401k match, health premium, paid leave), and commute or remote flexibility. The result is a single number that lets you compare any offer to any other offer on equal terms. Note: the tax drag figure is not total income tax — it captures the location-specific delta.
No. What's My Offer is a decision-clarity tool. The numbers we produce are modeled estimates based on publicly available data (Tax Foundation, C2ER, BLS). We are not a licensed financial advisor. For binding tax guidance, consult a CPA.
Tax drag estimates are modeled from Tax Foundation 2026 progressive rate structures and publicly available state/local schedules. Cost-of-living figures reference C2ER COLI quarterly benchmarks. Benefits benchmarks are derived from BLS employer survey data. These are directional inputs for comparison, not binding tax advice.
Any compensation package you're considering — your current role, a competing offer, an accepted letter, or a hypothetical scenario. Your current job is always the baseline; you add whatever else is in your decision window.
Yes — we store your offer inputs securely so we can run reports, keep your workspace persistent, and power negotiation tools. Your data is private to your account, never sold, and never used to train third-party models. You can delete individual offers or wipe all account data at any time from settings; when you finish your decision, we'll surface an obvious path to remove everything. See /privacy for details.
Sign in at whatsmyoffer.com/login to access your workspace. Teaser reports are free; full decision reports unlock with a $15 Decision Pass (50% launch discount from $30).
Free resources
Decision-grade advice on comparing offers, negotiating with leverage, and understanding what your salary actually buys — no signup required.
Headline salaries are often a trap. To compare job offers accurately, you must look at Adjusted Value: your real purchasing power after progressives taxes, cost of living index adjustments, health premiums, 401k matches, and commute time value are calculated.
Read guideTotal Compensation (TC) aggregates all employer costs (base, bonus, equity), but fails to account for state income taxes, local rent multipliers, and lifestyle drag. Adjusted Value is what remains after modeling the geographical friction and benefits of where you live and work.
Read guideNegotiation is a game of leverage. The strongest lever you have is a competing job offer. By translating competing packages into their Adjusted Value equivalent, you can counter recruiters who claim their offer is 'competitive for the local market' and secure higher base salaries.
Read guideRemote work is not just a lifestyle perk; it is a financial accelerator. Working from home saves thousands in direct travel expenses and recovers hundreds of hours of unpaid commute time. To compare a remote offer to an office role, you must quantify these hidden cash and time offsets.
Read guideA $200,000 salary is not the same everywhere. Rents, groceries, and state income taxes differ dramatically by geography. When relocating, you must calculate the salary equivalent needed to preserve your purchasing power, rather than accepting a raw raise that gets eaten by local cost multipliers.
Read guideEquity is a primary wealth builder in tech, but it is highly variable. Public company RSUs are liquid cash-equivalents, whereas early-stage stock options are lottery tickets. To value an offer, you must discount equity based on liquidity, vesting structures, and company risk stage.
Read guideTexas skips state income tax; Colorado charges a flat 4.4%. Denver's cost of living runs a bit lower than Austin's, so the cities end up closer than you'd expect — but Austin still edges out on packages above $120k.
Read guideSeattle is the clear winner for tech compensation. Zero state income tax and a lower COL index mean a $200k Seattle offer matches roughly $254k in San Francisco purchasing power.
Read guideYou need about $138k in Austin to match $200k in San Francisco purchasing power. Texas's 0% state tax and Austin's lower COL index make the gap wider than most recruiters admit.
Read guideNYC stacks state and city income tax on top of the nation's highest COL index. A $150k Austin offer can beat a $215k NYC offer in real purchasing power.
Read guideMoving from NYC to Miami wipes out combined state and city income tax. A $200k Miami offer matches roughly $276k in NYC purchasing power.
Read guideNashville saves you Illinois's 4.95% state tax and sits on a lower COL index. A $150k offer adjusts to about $112k in Nashville vs $102k in Chicago.
Read guideA 6% match on $150k base is $9,000 of free money every year — but only if you're vested and actually contribute enough to capture the full match. Always run the numbers before you treat two offers as equal.
Read guideTwo offers with the same base salary can differ by $8,000–$12,000 a year in health costs alone once you factor in premiums, deductibles, and whether the employer covers dependents.
Read guideA sign-on bonus feels like free money, but it's a one-time payment with strings attached. Base salary compounds every year; a bonus doesn't. Always annualize before you compare.
Read guideHybrid isn't halfway between remote and office — it's office compensation with office housing costs and partial commute drag. Two days a week still anchors you to an expensive metro.
Read guideYour first offer sets a baseline that follows you for years. Don't accept on excitement alone — run the full picture including rent, loan payments, and whether the role actually builds the career you want.
Read guideCounter-offers usually patch a salary gap, not the reason you wanted to leave. If culture, growth, or burnout drove your search, a raise rarely fixes it — and your employer may remember you tried to go.
Read guideAn employer HSA contribution of $1,500/year is worth more than $1,500 of taxable salary because HSA dollars are triple-tax-advantaged — but only if you're on a qualifying high-deductible plan.
Read guideFifteen extra PTO days on a $120k salary is roughly $6,900 of compensation — if you actually take them. Unlimited PTO often means less time off, not more.
Read guideYour offer might look great in isolation — but if your partner's career stalls or they take a pay cut, household Adjusted Value can drop even when your salary goes up.
Read guideA week to decide on a standard corporate offer is normal. Forty-eight hours with no competing process is pressure, not urgency. You can almost always ask for more time — politely.
Read guideOffer letters are contracts-lite. Every section — from 'at-will employment' to 'contingent on background check' — tells you something about what you're actually agreeing to.
Read guideSalary gets all the attention. These seven benefits quietly swing Adjusted Value by thousands — and most candidates never ask about them until month three.
Read guideLaunch pricing · 50% off
Join the waitlist to get early access when workspaces open. Explore our career guides in the meantime.
$34k
Avg. adjusted spread
40+
Variables per offer
7
Priority dimensions