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Raise vs job hop calculator

Stay = raised base + match. Hop = new base + match − extra commute. Match is compensation. Vesting, equity, and health premiums are out of this widget — put them in the job-offer playbook. Primer: how to negotiate a raise. First 90 days: capture the raise.

Quick answer: This calculator compares staying, with a raised base and the match you type, against hopping to a new base and match minus extra commute cost. It is a paycheck comparison, not a career forecast.

Total comp, this model

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This is pre-tax base plus match minus cash commute — “after-tax-ish,” not a W-4. FICA + federal on the extra dollars: paycheck calculator. Offer stack (equity, premium, PTO): job-offer playbook. A hop that wins by $4k and costs an unvested match is not a win.

What this means for you

What this means for you: the gap is one year of cash pay plus match, after the commute dollars you typed. It ignores benefits, vesting cliffs, and whether the new job lasts. A raise you do not save disappears into spending; the page does not force a savings rate.

How to use this calculator

  1. Open the Raise vs job-hop calculator and keep the sample numbers or replace them with your own. The result updates as you type.
  2. Read the headline figure first, then the breakdown or chart under it.
  3. Use Copy share link if you want those inputs in the URL. The page is an educational estimate, not a filing, approval, or recommendation.

Related

FAQ

What does the raise calculator compare?

Raised base plus employer match, versus a new base plus match, minus extra commute cost you type.

Does it include equity or a bonus?

Only if you put that cash in the pay fields. It does not value stock options.

Is a bigger offer always better?

Not in this model if commute or a weaker match eats the gap. Other benefits are outside the bars.

Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.