Does the second salary actually net positive after childcare, taxes, and work-related expenses?
A $10,000 salary gap can easily be closed — or reversed — by differences in benefits, commute cost, and time. This calculator converts every component to annual dollar value so you're comparing honestly.
Commute cost uses the IRS standard mileage rate ($0.67/mile in 2026). But the bigger hidden cost is time — 312 extra commute hours per year at a $40/hr implied rate is $12,480 of lost life annually.
The PTO trap: Most people undervalue paid time off. Five extra vacation days at a $95,000 salary is worth $1,827 — real money that never shows up in the headline number.