A bigger salary isn't always a bigger paycheck — know before you decide
Compare two offers on real, cost-of-living-adjusted purchasing power — not just the headline salary.
A 20% raise in a city that's 30% more expensive to live in is a real pay cut — and nobody tells you that on the offer letter
You're staring at an equity grant with no idea how to compare it fairly against a straightforward salary
You want a specific, calculated number to negotiate with — not a gut feeling
A guided form — your income, your debts, your specific decision. Takes a few minutes.
The same engine behind our free calculators, extended with sensitivity checks and hidden costs most tools skip.
Not a wall of numbers to interpret yourself — a clear take, with the full reasoning behind it.
Base + bonus + annualized equity + benefits − commute, for both offers
A cost-of-living adjustment so the comparison reflects real purchasing power
Projected wealth impact over your own horizon
A direct verdict — which offer wins, or whether it's genuinely too close to call
We don't sell investments or earn commission on your decision — we show the math, you decide.
Your PDF generates the moment payment confirms — no waiting, no email queue.
If a technical issue means your report never generates, you're refunded — see our refund policy.
How is this different from your free calculators?
The free calculators give you one number for one input set. This report brings everything together — sensitivity checks across more than one scenario, every hidden cost most people forget, and a direct verdict — into one document you can keep, share, or hand to whoever else is part of the decision.
What if I don't like the verdict?
The verdict is a direct read of the numbers you provide — we don't soften it either way. If your numbers say "wait" or "keep loans separate," that's what the report will say, because a report that only ever tells you what you want to hear isn't worth paying for.
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Your inputs are used only to generate your report. We don't sell your data, and we don't earn any commission based on what the report recommends — see our Privacy Policy for the full detail.
What if my numbers change after I buy?
The report is a snapshot based on what you entered — if your numbers meaningfully change later, you can run the wizard again with updated figures. There's no subscription here, just a one-time report for the decision in front of you right now.
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