How do I calculate if my relocation package is enough?

Compare your employer's relocation package or lump sum against two real costs: the one-time cost of the move itself (truck rental or movers, based on distance and home size), and the ongoing monthly cost difference between your old and new city (rent or mortgage, plus state income tax). This calculator computes both from real city and state data and shows how many months your package offsets before you're covering the difference yourself.

What is a typical relocation lump sum?

Relocation package sizes vary widely by employer, role, and whether the move is local or long-distance -- there is no single reliable industry-wide figure to compare against. This calculator does not estimate what a typical package should be; it only tells you what your specific offered amount actually covers for your specific move.

Does a relocation package cover cost of living increases?

Most one-time relocation lump sums are sized to cover the physical move itself, not ongoing cost-of-living differences. If your new city has higher rent, a higher mortgage payment, or higher state income tax, a one-time package only offsets that difference for a limited number of months -- this calculator shows you exactly how many, based on your own numbers.

Relocation package calculator

Got a relocation package, lump sum, or relocation allowance from your employer? See exactly what it covers — and what it doesn't — before you say yes.

This tool uses the same real moving-cost and cost-of-living math as our Relocation Cost Calculator — enter your move and your employer's offered amount below to see if it's actually enough.

Your Move

Moving From

↓

Moving To

Your Details

Home Size

Move Type

Annual Salary (for tax comparison)

Relocation Package / Lump Sum Offered (optional)

	From	To	Diff
Monthly Rent	—	—	—
Est. Mortgage 20% down conventional · 30yr · 7.40% · P&I only — add tax, insurance & HOA for true cost	—	—	—
Income Tax	—	—	—
Cost of Living groceries · utilities · transport	—	—	—
Monthly Δ if renting	rent + tax	—
Monthly Δ if buying	mortgage + tax	—

This calculator provides estimates for educational purposes only. Moving costs, rent, taxes, and cost of living vary significantly by specific location and individual circumstances. Results are not financial advice.

Chris Harris, REALTOR® · Real Broker, LLC · Kentucky license #299754

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