๐Ÿ’ฐ SmartMoneyCalcs

Salary Negotiation Calculator ๐Ÿ’ผ

Real comp after cost of living and taxes.

Current

Offer

Real-comp change (year 1)
Offer normalized to your COL
Parity with current
Suggested counter

Counter = the salary that gives you parity + ~7% โ€” typical room above an opener.

How to use this calculator

1

Enter your current salary and your city's cost-of-living index (US average = 100).

2

Enter the offered salary and the cost-of-living index of the new city.

3

Optionally add a sign-on bonus.

4

See the offer normalized to your buying power, the parity salary, and a suggested counter.

Calculation method

We normalize the offer to your current purchasing power: offer_normalized = offer ร— (current_COL รท offer_COL) + sign_on. The parity offer is the salary at the new city that matches your current purchasing power: current ร— (offer_COL รท current_COL). The suggested counter adds 7% headroom on top of parity (typical room above an opener).

Data source: COL indexes from major public sources (BLS, MERIC Cost of Living Index). US average = 100.

Last data update: May 24, 2026

Worked examples

Move from Austin to NYC

$90k @ 110 โ†’ $130k @ 187

Normalized โ‰ˆ $76.5k

A $40k bump can still be a real-comp cut.

Lateral with raise

$90k @ 100 โ†’ $100k @ 100

+$10k real, counter โ‰ˆ $103k
Remote downsize

$120k @ 130 โ†’ $115k @ 90

Normalized โ‰ˆ $166k

Big real raise.

Frequently asked questions

A composite score (housing, groceries, utilities, transport, healthcare) relative to a US national baseline of 100. NYC โ‰ˆ 187, Austin โ‰ˆ 110, Cleveland โ‰ˆ 78 are common reference points.

Because cost of living often climbs faster than salary in expensive metros. A $20k raise into a city with double the cost can be a pay cut in buying power.

Most companies expect at least one counter. Aim for parity + 5โ€“10%, supported by market data and competing offers if you have them.

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Personal finance disclaimer. Personal finance calculations are educational tools. Actual financial outcomes depend on many factors. SmartMoneyCalcs is not a financial advisor โ€” consult with a Certified Financial Planner for personalized advice.
Last updated: May 24, 2026