Calculator
Is a $10,000 raise worth it if your rent doubles? Use this calculator to compare the true cost of living between two cities.
Enter your inputs and run the calculation to see results.
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A higher salary doesn't always mean more money. If you move from Des Moines to San Francisco for a $50,000 raise, you might actually be taking a pay cut. **The Purchasing Power Parity:** $100,000 in a low-cost city might feel like $250,000 in a high-cost city. Your quality of life depends on your 'disposable income'—what's left after the bills are paid—not the number on your offer letter.
When comparing cities, focus on these three levers: 1. **Housing:** This is usually the dealbreaker. Check Zillow or Apartments.com for real-time listings. Do not rely on outdated averages. 2. **Taxes:** State income tax ranges from 0% (WA, TX, FL) to over 13% (CA). This comes directly out of your paycheck. 3. **Commute:** A 'cheaper' house 1 hour away costs you 10 hours a week (unpaid time) plus gas and wear-and-tear.
Use the output of this calculator in your salary negotiation. *"I'm excited about the role, but based on the 40% higher cost of living in Seattle, I would need a base salary of $X to maintain my current standard of living."* Data is a powerful negotiation tool. It makes your request objective, not greedy.
In an era where digital privacy is paramount, we have designed this tool with a 'privacy-first' architecture. Unlike many online calculators that send your data to remote servers for processing, our tool executes all mathematical logic directly within your browser. This means your sensitive inputs—whether financial, medical, or personal—never leave your device. You can use this tool with complete confidence, knowing that your data remains under your sole control.
Our tools are built upon verified mathematical models and industry-standard formulas. We regularly audit our calculation logic against authoritative sources to ensure precision. However, it is important to remember that automated tools are designed to provide estimates and projections based on the inputs provided. Real-world scenarios can be complex, involving variables that a general-purpose calculator may not fully capture. Therefore, we recommend using these results as a starting point for further analysis or consultation with qualified professionals.