{{ summaryHeading }} {{ summaryPrimary }} {{ summaryLine }} Cash gap {{ signedMoney(values.net_delta_base / periodDivisor, values.base_currency) }} Buying power {{ signedMoney(values.cost_delta_base / periodDivisor, values.base_currency) }} {{ periodLabel }}
All comparison and chart values use this denomination.

Offer A

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{{ localCurrencyA }}/ year
Use gross cash salary before employee-side deductions.
1 {{ localCurrencyA }}{{ base_currency }}
index
%
%

Offer B

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{{ localCurrencyB }}/ year
1 {{ localCurrencyB }}{{ base_currency }}
index
%
%
Leave blank to use the source-year preset label.
Leave blank to use the source-year preset label.
{{ localCurrencyA }}/ year
Zero leaves the selected preset's taxable-income basis unchanged.
{{ localCurrencyB }}/ year
Zero leaves the selected preset's taxable-income basis unchanged.
{{ localCurrencyA }}/ year
Zero adds no extra payroll-side deduction.
{{ localCurrencyB }}/ year
Zero adds no extra payroll-side deduction.
ScenarioGrossIncome taxEmployee contributionNet localNormalized netCost-adjusted buying powerTake-home rateCopy
{{ row.label }}{{ row.gross }}{{ row.tax }}{{ row.contribution }}{{ row.netLocal }}{{ row.netBase }}{{ row.costAdjusted }}{{ row.takeHomeRate }}
ScenarioComponentLocal amountNormalized amountRate / basisCopy
{{ row.label }}{{ row.component }}{{ row.localAmount }}{{ row.baseAmount }}{{ row.basis }}

Planning readout

{{ planningReadout }}

Offer A model

{{ selectedPresetA.scopeNote }} {{ selectedPresetA.sourceLine }}

Offer B model

{{ selectedPresetB.scopeNote }} {{ selectedPresetB.sourceLine }}

FX and cost boundary

FX rates and cost indexes are user-entered snapshots. Use the same dated FX source and the same cost-index methodology for both offers; neither input is fetched or independently verified here.

Before acting

Verify residence, filing status, tax year, taxable-income construction, contribution category, reliefs, credits, local taxes, benefits, healthcare, visas, special income, and employer costs with official tools or a qualified adviser. This is a planning comparison, not tax, payroll, legal, or immigration advice.

Income Tax Calculator Estimate income tax with current tables for four jurisdictions or a custom table and compare bracket slices with an added-income scenario.
Effective Tax Rate Calculator Calculate effective tax rates from current bracket presets or completed totals with clear income bases, included taxes, and extra-income comparisons.
Paycheck Calculator Estimate 2026 U.S. take-home pay for hourly or salaried work with federal income tax, FICA and deductions plus user-entered local withholding.
Payroll Proration Calculator Calculate partial-period gross pay by calendar or workday policy, then compare fixed and custom denominators with final rounding.

A salary that looks larger on paper can leave less money available after tax, employee contributions, currency conversion, and local living costs. Cross-country offer comparisons therefore need several views of the same pay package rather than a single gross-salary conversion.

Take-home pay is the cash left from gross employment income after the modeled employee-side deductions. It is not the same as taxable income, and it excludes employer costs. A progressive income-tax system also cannot be represented by multiplying all income by the highest bracket reached: each band applies only to the slice of taxable income inside that band.

ComparisonWhat it answersMain assumption
Local take-homeHow much cash remains in the offer's own currencyTax and employee-contribution rules match the worker
Normalized netWhat that cash is worth in one comparison currencyBoth exchange rates come from the same date and convention
Cost-adjusted buying powerHow the normalized cash compares after a broad price-level adjustmentBoth cost indexes measure comparable baskets with 100 as the same baseline

Cost indexes are planning shortcuts, not household budgets. Rent, healthcare, childcare, transport, pensions, visas, and benefits can dominate a relocation decision even when a broad index favors the other offer. Exchange rates can also move between an offer review and the first payday.

Tax residence, filing status, age, worker category, relief eligibility, and the tax year can change deductions materially. A comparison is most useful as a consistent first pass followed by official payroll estimates and a location-specific budget.

How to Use This Tool:

Build both offers from assumptions that describe the same person and the same comparison date.

  1. Choose the Comparison currency and Result period. The period changes annual values into monthly or weekly displays; it does not change the annual tax model.
  2. Select a Country and tax year for each offer, or choose Custom manual flat rates when no preset matches. Read the preset scope note before entering pay.
  3. Enter each Annual gross pay, the number of comparison-currency units per one local-currency unit, and comparable Cost index values.
  4. Open Advanced only for verified taxable-income reliefs, annual post-tax deductions, or clearer offer labels. Do not enter a standard allowance already built into a preset a second time.
  5. Review the Offer ledger and Deduction ledger, then read Planning review for the model exclusions behind each result.

Interpreting Results:

The cost-adjusted leader is the offer with the higher modeled buying-power value. Check the normalized cash gap as well: a result can lead on broad buying power while producing less spendable cash in the comparison currency.

  • Take-home rate is net local pay divided by gross pay. It is not the marginal tax rate.
  • Marginal rate is the income-tax rate on the last modeled taxable-income band. It excludes employee contributions.
  • Cost-adjusted buying power is sensitive to the entered index and does not predict a personal budget.
  • A small lead should be stress-tested with less favorable exchange rates and realistic housing, healthcare, and benefit costs.

Technical Details:

Each offer is modeled annually in its local currency. Taxable income is formed first, progressive tax and employee contributions are calculated separately, and post-tax deductions are removed last. Only then is net pay converted and adjusted by the cost index.

Formula Core

The taxable-income floor prevents an allowance or verified relief from producing a negative tax base.

T=max(0,G−A−R)

Progressive income tax sums the taxable slice in every bracket. For bracket i, L is its lower bound, U its upper bound, and r its rate.

I=∑in max(0,min(T,Ui)−Li)ri

Net local pay subtracts modeled income tax, worker contributions, and user-entered post-tax deductions. The exchange-rate convention is comparison-currency units per one local-currency unit.

Nlocal=G−I−C−D Nbase=Nlocal×F B=Nbase÷(K÷100)

Here C is the employee contribution, D is other annual post-tax deductions, F is the entered exchange rate, K is the cost index, and B is modeled buying power. Money outputs are rounded to two decimal places after the annual calculations. Monthly and weekly views divide annual results by 12 and 52.

Rule Core

The built-in choices are deliberately narrow planning models. Their labels identify the tax year and worker assumptions that must match before the result is meaningful.

PresetIncome-tax basisEmployee contributionImportant exclusions
United States federal 2026, single$16,100 standard deduction and 10% to 37% federal ordinary-income bands6.2% Social Security up to $184,500, 1.45% Medicare, plus 0.9% above $200,000State and local tax, credits, benefits, AMT, and special income
United Kingdom 2026/27, England, Wales, Northern Ireland£12,570 allowance, tapered by £1 per £2 above £100,000; 20%, 40%, and 45% bandsAnnualized category-A planning model: 8% from £12,570 to £50,270 and 2% aboveScotland, student loans, pensions, benefits, and non-savings special rules
Malaysia resident, YA 2025Resident bands from 0% to 30%; verified relief entered separately11% of annual gross as an EPF planning approximationOfficial wage-table rounding, worker category, SOCSO, EIS, rebates, and relief eligibility
Singapore resident, YA 2026Resident bands from 0% to 24%; verified relief entered separatelyBelow age 55, citizen or third-year permanent resident, ordinary wages: graduated low-wage rule and 20% above $750 monthly up to the $8,000 ceilingAdditional wages, other ages or statuses, relief caps, rebates, and non-resident rules
Custom manualFlat effective rate on gross minus verified reliefFlat worker-side rate on grossNo jurisdiction, caps, taxable base, or special rules are inferred

The comparison leader is selected from the rounded cost-adjusted annual values. Equal values produce a tie; otherwise the larger value wins. Gross pay must be positive, exchange rates must be above zero, cost indexes must be from 1 to 1,000, and entered relief cannot exceed gross pay.

Accuracy and Advice Notes:

This is an educational planning comparison, not tax, payroll, legal, financial, or immigration advice. The page does not fetch exchange rates or cost indexes, and it does not verify residence, filing status, contribution category, reliefs, credits, healthcare, benefits, or employer costs.

  • Use official calculators or a qualified adviser for the exact worker and tax year.
  • Use the same dated exchange-rate source and the same cost-index methodology for both offers.
  • Replace broad cost-index adjustments with a personal budget before accepting a relocation package.

Worked Examples:

Two manual-rate offers

Offer A pays EUR 100,000 with an 18% income-tax rate, 9% employee contribution, and an exchange rate of 1.10 USD per EUR. Its modeled local net is EUR 73,000 and normalized net is USD 80,300. Offer B pays GBP 80,000 with 20% tax, 10% contribution, and 1.20 USD per GBP, producing GBP 56,000 or USD 67,200. With both cost indexes at 100, Offer A leads by USD 13,100. Changing either cost index can change the buying-power gap without changing either cash-pay result.

References: