- Compute take-home pay for each offer in its state — use the calculator or the per-state salary pages like $100,000 in Texas vs $100,000 in California.
- Subtract housing (rent or mortgage, property tax, insurance) for a comparable home.
- Adjust for other costs: car, insurance, childcare, sales tax.
- Value non-cash items: retirement match, remote flexibility, career growth.
What is left after steps 1–3 is the money that actually grows your savings. If you invest in property after moving, analyze rentals with RentalCalc.