Calculate City Salary Comparison
Example Data Table
Use this sample to understand how the inputs are structured before entering your own values.
| Factor | City A Example | City B Example |
|---|---|---|
| Annual Salary | $30,000 | $55,000 |
| Tax Rate | 12% | 8% |
| Housing | $400/month | $1,400/month |
| Utilities | $80/month | $180/month |
| Transport | $60/month | $220/month |
| Groceries | $170/month | $420/month |
| Healthcare | $50/month | $140/month |
| Miscellaneous | $110/month | $260/month |
Formula Used
1. Monthly Net Pay
Monthly Net Pay = (Annual Salary ÷ 12) × (1 − Tax Rate)
2. Monthly Expenses
Monthly Expenses = Housing + Utilities + Transport + Groceries + Healthcare + Miscellaneous
3. Monthly Disposable Income
Monthly Disposable Income = Monthly Net Pay − Monthly Expenses
4. Annual Disposable Income
Annual Disposable Income = Monthly Disposable Income × 12
5. Equivalent Salary in Another City
Equivalent Salary = (Target Annual Expenses + Current Annual Disposable Income) ÷ (1 − Target Tax Rate)
6. Savings Rate
Savings Rate = Annual Disposable Income ÷ Annual Net Income × 100
How to Use This Calculator
- Enter the two city names you want to compare.
- Choose the currency symbol for your analysis.
- Input annual salaries for both cities.
- Add estimated effective tax rates for each location.
- Enter average monthly costs for housing, utilities, transport, groceries, healthcare, and miscellaneous spending.
- Press Compare Cities to calculate net income, expenses, disposable income, equivalent salary, and savings rate.
- Review the chart and summary cards to see which city provides stronger financial value.
- Use the CSV or PDF buttons to export results for planning or offer negotiation.
Frequently Asked Questions
1. What does this calculator compare?
It compares annual salary, tax impact, monthly living costs, disposable income, savings rate, and equivalent salary needed between two cities.
2. Why use disposable income instead of salary alone?
Gross salary can look impressive, but taxes and living costs can erase the advantage. Disposable income shows what remains after essential expenses.
3. What is an equivalent salary?
Equivalent salary is the gross pay required in another city to preserve the same disposable income after taxes and expenses.
4. Should I include estimated or exact expenses?
Use your best realistic estimates. Even approximate rent, food, transport, and utility numbers can reveal whether an offer is financially stronger.
5. Can this help with relocation planning?
Yes. It is useful for comparing job offers, internal transfers, remote-work moves, and cost-of-living decisions before accepting a role.
6. Does the tax field represent total deductions?
Yes. You can use an effective combined rate that reflects income tax and other recurring payroll deductions for simpler comparison.
7. Why might a higher salary still be worse?
Because higher rent, transport, healthcare, or taxes may reduce the money left over each month, lowering actual financial comfort.
8. Can I export the results?
Yes. The page includes CSV and PDF download options after calculation, making it easy to save or share your comparison.