Job Offer Take-Home Pay Calculator 2026 - Compare Two Salaries in Different States, Excel Spreadsheet

Got a job offer in another state? Enter both salaries and states and see what you would actually keep each year and month - before you move.

What you get

• One Excel file (xlsx), formulas only, no macros.
• Quick start: three cells (salary, state, filing status) -> take-home per year, month and paycheck.
• Compare two offers: take-home, total taxes, state + local tax and the difference B minus A.
• 2026 federal income tax, Social Security, Medicare, state income tax, local tax for Maryland, Indiana and New York City, and state employee payroll contributions.
• Every rate in a visible table with its official source link (IRS, SSA, state revenue departments), checked October 19, 2026.

Coverage: 143 choices - 28 states (Maryland split into its 24 local jurisdictions, Indiana into its 92 counties) plus New York City. It does not cover all 50 states.

Checked to the cent: the workbook formulas were compared with our tax engine across 1,410 test cases with 0 differences.

Assumptions: W-2 wages, the standard deduction, one earner on a joint return. Estimates for planning, not tax advice.

Refunds: before you download, a full refund within 7 days. If the file does not open or does not work as described, a fixed version or a full refund within 30 days. No refund for change of mind after downloading. Contact sungje5575@gmail.com.