See what a raise really costs you.
A higher wage can quietly cut your benefits by more than it adds. Set your situation below and the math updates as you move.
Your situation
Children = family size − adults (2 children)
Taking this offer costs you
−$9,754/yr
−$813/mo. Ohio, household of 4.
Take-home today
$74,413/yr
After the offer
$64,659/yr
Safe exit
$84,000/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
- State tax+$60/mo
- Total hit−$813/mo
Every number comes from a government source
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, $74,413 total effective
The $70,000 offer would give $64,659 total effective, that's $9,754 less than today
To clear all benefit cliffs, I need ~$84,000/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.