Step 1
Enter the written offers
Start with the numbers you actually have: salary, bonus, pension, equity, vesting, and office expectations.
Guide
How Offer Compare works
This page explains the model in plain English. If you would rather just start, you can compare the offers first and come back later for the details.
What you need
Salary, bonus, pension, equity details, vesting terms, and a realistic office expectation for each role.
What you get
A clear recommendation headline, the key trade-offs, and the assumptions that matter most.
Start Here
Skip the guide and compare now
The tool is designed so you can enter the written offers first, get a result quickly, and refine assumptions afterwards.
1. Enter Offer A
2. Enter Offer B
3. Review the recommendation and only then refine assumptions
No sign-up. What you enter stays in your browser on this device.
Step 2
Compare before over-tuning
You do not need to perfect every assumption first. The product is designed so you can see a recommendation quickly and refine it afterwards.
Step 3
Use assumptions deliberately
Only change tax, confidence, growth, or time-value inputs when they genuinely reflect how you think about the offers.
What The Model Includes
What drives the recommendation
The recommendation is built from dependable cash, pension, and post-tax equity, then adjusted for commuting. It is meant to make the trade-offs visible rather than bury them in a spreadsheet.
After-commute net cash
Salary and expected bonus are brought down to a simplified take-home estimate, then direct travel spend is subtracted. Commute spend can be entered per day or as a fixed monthly or annual pass. If you add annual pay rises, salary-linked cash steps up on each anniversary.
Employer pension
Employer pension is shown separately so dependable value is not mixed up with uncertain upside.
Post-tax equity
Equity is adjusted for vesting, growth, confidence, and tax treatment before it affects the recommendation.
USD equity converted to pounds
If equity is quoted in dollars, the app converts it into pounds using the shared USD to GBP reference rate plus any FX adjustment you choose, so both offers stay comparable under the same scenario.
Optional commute-time cost
If you turn it on, commuting time is priced explicitly. If you leave it off, only direct travel spend counts.
Key Terms
The main definitions
Net cash after commute
Estimated take-home pay after salary and bonus tax, with travel spend taken out. Travel spend can be modeled per office day or as a fixed monthly or annual pass. By default this uses a standard UK PAYE approximation rather than a flat rate.
Cash tax model
By default the app uses a standard 2025/26 UK PAYE approximation, with a Scotland toggle for Scottish Income Tax bands. Employee National Insurance stays on the normal UK-wide rules. A manual flat-rate fallback is still available.
Capital Gains Tax
Used for equity that is expected to be taxed on disposal rather than through payroll when it vests. The model assumes there are no other capital gains or losses in that tax year, then applies the annual exempt amount and current UK share CGT rates.
Equity confidence
How much of the modeled equity value you are comfortable counting on for the decision.
Annual re-grant
An expected yearly equity refresh awarded after year 1 and modeled using the same vesting schedule.
Annual pay rise
A salary increase applied on each work anniversary. Percentage bonuses and employer pension follow it; fixed cash bonus amounts do not.
Cliff
A lock period before the first vest event, when equity accrues but nothing is released yet.
Vesting frequency
How often equity is released once the schedule starts: monthly, quarterly, or annually.
Commute time value
An optional hourly cost you assign to commuting time if you want that time loss to influence the comparison.
USD to GBP rate
The exchange-rate assumption used to convert US-dollar equity into pounds before it affects the recommendation. You can then layer on an explicit FX adjustment to test a stronger- or weaker-pound scenario.
Employee pays employer NI on RSUs
An optional per-offer setting for cases where that employer passes secondary National Insurance on income-taxed equity awards back to the employee through a joint election or similar arrangement.
Limits
What this tool does not try to do
This is a UK-focused comparison tool, not tax, legal, or financial advice.
Cash tax uses a standard 2025/26 PAYE approximation with a Scotland option, but equity tax and scheme-specific edge cases are still simplified.
The goal is a cleaner decision, not a perfect forecast of every edge case.
Practical advice
Compare first using the written offers. Then pressure-test only the assumptions that you genuinely think could flip the decision.
Compare offers