PPP results
How to Read PPP Adjusted Salary Results
This guide shows how to read PPP adjusted salary results: the PPP ratio, net and FX converted figures, the PPP adjusted salary meaning, and the lifestyle delta percent. Treat them as directional, not precise promises.
Published: January 1, 2026 · Updated: January 1, 2026 · By FinToolSuite Editorial
Disclaimer
- Educational purposes only, not financial, tax, legal, or relocation advice.
- Examples are illustrative and simplified.
- Results depend on your inputs, PPP ratios, FX snapshots, and simplified tax assumptions and are not guaranteed.
- PPP is a national average and may not match your city or personal costs.
Quick answers
- PPP ratio sets the price level adjustment.
- FX converted is the currency conversion at today’s snapshot.
- PPP adjusted salary is the lifestyle equivalent estimate.
- Lifestyle delta shows direction and size of change, not a promise.
How to read PPP adjusted salary results: five numbers
PPP ratio
Price level factor. Lower than 1 suggests cheaper on average; higher than 1 suggests pricier. Common misread: treating it as a spendable rate.
Net salary
Simplified net after your pension input and tax toggle choice. It appears when the tax toggle is on. Common misread: expecting payslip-level detail.
FX converted
Currency conversion at the latest snapshot. Common misread: assuming FX alone shows lifestyle power.
PPP adjusted salary
FX converted amount adjusted by the PPP ratio for an average price level comparison. Common misread: treating it as guaranteed or city-specific.
Lifestyle delta percent
Directional change in buying power versus origin. Common misread: reading it as cash in hand or a promise.
Results mapping
| Result card | Comes from | What to compare | Common mistake |
|---|---|---|---|
| PPP ratio | Price level data between origin and destination. | Check if it is below, near, or above 1. | Treating it like a bank rate. |
| Net salary | Gross minus pension and tax toggle settings. | Compare across scenarios with the same frequency. | Expecting payslip precision. |
| FX converted | Latest FX snapshot applied to your base. | Note the date/time of the snapshot. | Ignoring FX timing changes. |
| PPP adjusted salary | FX converted ÷ PPP ratio. | Use it for buying power comparisons. | Reading it as guaranteed take-home. |
| Lifestyle delta percent | Comparison of adjusted buying power vs origin. | Direction and magnitude only. | Treating it as exact or city-specific. |
Mini example
| Input setting | Value (illustrative) |
|---|---|
| Net salary | $60,000 |
| FX converted | $62,000 |
| PPP ratio | 0.9 |
| Output | Value (illustrative) |
|---|---|
| PPP adjusted salary | $68,900 |
| Lifestyle delta percent | +15% |
The PPP ratio below 1 lifts the adjusted figure above the FX snapshot. If the ratio moved to 1.1, the adjusted salary would fall and the lifestyle delta could shrink or turn negative. Always rerun when inputs change.
What makes your results change
- Changing destination: PPP ratio changes.
- Changing salary or frequency: base number changes.
- Changing pension percent: net base changes.
- Toggling tax engine: net base changes before PPP.
- FX snapshot moving: FX converted and downstream numbers change.
Adjust one setting at a time and compare. See more scenarios in the examples page.
Avoid false precision
- Treat results as directional ranges, not exact promises.
- PPP is not city specific.
- Big categories like housing can sway your real budget.
- Rerun when FX changes.
Common pitfalls and fixes
- Comparing runs with different pay frequencies—align them.
- Comparing different days without noting FX snapshot—rerun same-day.
- Reading PPP adjusted salary as cash in hand—it is a buying power estimate.
- Expecting city-level accuracy—PPP is national.
- Assuming tax toggle matches a payslip—it is simplified.
- Copying numbers without noting pension inputs—log your settings.
- Mixing destinations between runs—change one input at a time.
- Over-trusting one result—save and compare scenarios.
- Ignoring lifestyle delta context—read it as directional only.
- Skipping reruns after FX moves—refresh to keep context current.
FAQs
Which number should I compare across countries?
Compare PPP adjusted salary and lifestyle delta for buying power, and keep FX converted in view for nominal size.
Why is my PPP adjusted salary higher than FX converted?
If the PPP ratio is below 1, average prices are lower, so buying power can look higher.
What does lifestyle delta percent really mean?
It is a directional change in buying power versus origin, not a cash guarantee.
Why did my results change today?
FX snapshots move; rerun when rates change. PPP updates less often but can shift too.
Is this advice?
No. This is educational, not financial, tax, legal, or relocation advice.
Does PPP include taxes?
No. Estimate net pay first, then use PPP for buying power context.
Does this apply to my city?
PPP is national; city costs can differ, so use it as a directional guide.
Where can I see examples?
Visit the PPP adjusted salary examples page.
How does this relate to PPP ratio explained?
PPP ratio explained shows the factor that drives the adjusted salary and lifestyle delta.
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