See what a raise really costs you.
Earn more, and help with food, health, and childcare can drop faster than your pay rises. That's a benefits cliff. Set your situation below and watch your real take-home move.
Free · private · no signup
Your situation
Children = family size − adults (2 children)
Taking this offer costs you
−$14,636/yr
−$1,220/mo. Ohio, household of 4.
Take-home today
$73,797/yr
pay + benefits, after all taxes
After the offer
$59,161/yr
Safe exit
$96,000/yr
clears every cliff
Your benefits cliff
Ohio, household of 4. The filled line is your real take-home. The dashed line is wages alone.
Where the loss comes from
Monthly change, offer vs today- SNAP−$182/mo
- Medicaid−$375/mo
- ACA cost+$411/mo
- ACA savings+$67/mo
- Childcare−$1,660/mo
- Earned Income Tax Credit−$359/mo
- FICA (Social Security + Medicare)+$166/mo
- Federal income tax+$241/mo
- State tax+$60/mo
- Total hit−$1,220/mo
Every number comes from a government source
Each figure is drawn from the primary government source shown above. Two values are close approximations, not filing-grade quotes: the ACA benchmark (SLCSP) uses each state’s largest metro as a stand-in, and childcare help varies by county — both land within roughly 10%. See how CliffCheck knows the numbers
Manager brief
Copy and paste into a message to your manager or HR.
Currently earning $44,000/yr with $26,604 in annual benefit value, $73,797 total effective
The $70,000 offer would give $59,161 total effective, that's $14,636 less than today
To clear all benefit cliffs, I need ~$96,000/yr, that's where I permanently stay ahead
Did this help?
CliffCheck is free, and it stays free. I’m one developer trying to take this to all 50 states. If it saved you from a costly mistake, a coffee helps me keep building. Thank you.