You'll keep more money every month after expenses.
Your RTO Tax
Calculate your RTO Tax before you sign that 2026 contract.
* Commute cost uses marginal rate (gas + wear ~$0.35/mi). Your actual costs may vary — adjust the field above.
Effective Hourly Rate Comparison
What you actually earn per hour of your life committed (work + commute)
Break-even Point
To break even (keep the same amount), the new job needs a gross annual pay of $55,400.
After taxes, childcare, commute, and AI tools.
After taxes and extra costs.
Your RTO Tax
The real annual cost of going back to office.
Your take-home is reduced by this percentage once RTO costs are factored in.
* Commute cost uses marginal rate (gas + wear ~$0.35/mi). Adjust the "Cost per Mile" field above if needed.
Based on your numbers
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