Worth It
Monthly Net Change
+$1,234
You'll keep more money every month after expenses.
Monthly Take-home Change (after tax)
+$1,500
Monthly Childcare Change
+$0
Monthly Commute Change
-$266
⚠️
Your RTO Tax
Calculate your RTO Tax before you sign that 2026 contract.
Annual Out-of-Pocket Commute Cost
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Mileage (/mi · 2026 IRS rate)
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Parking & Tolls
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Commute hours/year
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Time cost at your pay rate
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Total RTO Tax (incl. time)
—
* 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)
Current Job
—
per hour of life
→
New Option
—
per hour of life
Break-even Point
To break even (keep the same amount), the new job needs a gross annual pay of $55,400.
Worth It
Real Net Gain per Month
+$0
After taxes and extra costs.
Gross Extra Income (monthly)
—
Marginal Tax on Extra Income
—
Net After Tax (monthly)
—
Extra Commute Cost (monthly)
—
Extra Childcare (monthly)
—
Your base rate
—
→
Effective net/hr (extra shift)
—
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