True Job Cost Calculator

Your salary isn't your real income. Subtract what your job actually costs you in commuting, food, and clothing to see what you truly take home.

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These are direct out-of-pocket costs tied specifically to having this job — not general living expenses you'd have anyway.

Annual Job-Related Costs$0
Your True Net Income$0
Advertised Hourly Rate$0/hr
True Hourly Rate (incl. commute time)$0/hr
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How This Calculator Works

Annual job-related costs sum your monthly commute, work food, and clothing/preparation expenses, multiplied by 12. Subtracting that from your salary gives your true net income — what the job actually leaves you with once its direct costs are paid.

The true hourly rate goes a step further: it divides your true net income by your total time commitment, including unpaid commuting time (not just the standard 2,080 work hours), giving a more honest picture than the advertised salary-divided-by-hours figure most people use.

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Frequently Asked Questions

What counts as a "job-related cost"?

Any expense you wouldn't have if you didn't work this specific job — commuting fuel or transit fare, food bought because you're away from home, and clothing or grooming required specifically for work.

Why include commute time in the hourly rate?

Because that time is unavailable to you and unpaid, effectively diluting your compensation across more hours of your week than the job description states.

Can this help me compare two job offers?

Yes — running the same numbers for two different jobs (especially with different commute distances) often reveals a smaller income gap, or even a reversal, compared to comparing salaries alone.

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