WhereTo.Work

Tax Regime Analysis:

• Krakow uses Polish employee tax, includes ZUS and health insurance.
• New York calculation assumes self‑employment, covering SE tax and federal brackets.

Tax Parameters:

• Poland: 12% up to 120k PLN, 32% above, 30k PLN allowance, ZUS 13.71% (cap 177,660 PLN), health insurance ~4.56% of gross.
• USA: Federal brackets 10%‑37% as listed, standard deduction 14,600 USD, SE tax 15.3% (cap 168,600 USD).

Cost-of-Living Data:

• Krakow: rent ~690 USD, meal ~14 USD, cappuccino ~3.3 USD, iPhone 799 USD (source: Numbeo, local retailers).
• New York: rent ~3,200 USD, meal ~25 USD, cappuccino ~4.5 USD, iPhone 799 USD (source: Numbeo, NYC market).

Net Salary Calculations:

• Krakow: Gross 60,000 USD → 218,664 PLN. Deductions 54,492.96 PLN → Net 164,171.04 PLN ≈ 45,041 USD.
• New York: Gross 60,000 USD. Deductions 12,080.30 USD (SE tax + federal) → Net 47,919.70 USD.

Purchasing-Power Comparison:

• PPP multiplier = Net NY / Net Krakow ≈ 1.06, indicating ~6% higher purchasing power in New York after accounting for local costs.

Comparison Conclusion:

• New York scores higher (85/100) due to higher net income despite high living costs; Krakow scores 78/100 with lower costs but lower net pay.

Confidence and Caveats:

• Data sources are official tax API and reputable cost‑of‑living databases.
• Exchange rate used (~3.64 PLN/USD) is an approximation.
• Self‑employment assumptions may differ with actual deductions.