Job Offer Comparison Calculator for Total Compensation
Compare two job offers side by side and find out which one is truly worth more. See the full picture beyond base salary — bonus, equity, benefits, PTO, and commute savings.
Educational Disclaimer
Wyzfin calculators and guides are for educational and informational purposes only. They do not constitute financial, tax, or legal advice. The results provided are estimates based on user input and general assumptions. Every financial situation is unique; always consult with a qualified professional before making significant financial decisions.
Shared Settings
Comparison Result
Based on true annual value
per year, after taxes and benefits
Component-by-Component Comparison
PTO Insight
New Offer gives you 5 extra days of PTO, worth approximately $1,731 in hourly value. That's an extra week of freedom per year.
Detailed Breakdown
| Component | Current Job | New Offer | Difference |
|---|---|---|---|
| Base Salary | $85,000 | $95,000 | +$10,000 |
| Bonus | $8,500 | $14,250 | +$5,750 |
| Equity / RSU | $0 | $10,000 | +$10,000 |
| 401(k) Match | $3,400 | $5,700 | +$2,300 |
| Health Insurance | $3,600 | $1,800 | $-1,800 |
| Commute Savings | $591 | $1,773 | +$1,182 |
| Prof. Development | $0 | $1,500 | +$1,500 |
| True Annual Value | $77,716 | $100,210 | +$22,494 |
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New Offer is worth $22,494 more per year — calculated on wyzfin.com
This job offer comparison calculator total compensation tool helps you compare two job offers beyond base salary. Enter salary, bonus, equity, benefits, PTO, commute costs, and retirement match to calculate the true value of each job offer. It is built for candidates deciding between roles, negotiating compensation, or checking whether a higher salary is actually the better deal.
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Beyond Base Salary: What Really Matters
Most people compare job offers by looking at base salary alone. But total compensation can vary dramatically once you factor in bonuses, equity, retirement matching, health benefits, and lifestyle perks like remote work.
Our calculator helps you see the true annual value of each offer, so you can make a data-driven decision instead of guessing. After comparing offers, use the 50/30/20 budget calculator to map the new paycheck and the tax withholding calculator to estimate how much of the raise actually reaches your bank account.
Components That People Often Miss
- Retirement Match: A 6% match on $100K is $6,000/yr in free money.
- Health Insurance: Employer-covered premiums can be worth $5K-$20K/yr.
- Remote Work: Saving 3 days of commuting saves thousands annually.
- PTO: Extra vacation days have real dollar value based on your hourly rate.
Frequently Asked Questions
Should I always take the higher-paying offer?
Not necessarily. A $10K higher salary with worse benefits, longer commute, and less PTO might actually leave you worse off. Use this calculator to see the full picture before deciding.
How should I value equity / RSU grants?
Use the annualized value — total grant divided by the vesting period (typically 4 years). For public companies, use the current stock price. For startups, be conservative and consider discounting the stated value by 50-80% to account for risk.
What about non-financial factors?
This calculator focuses on quantifiable value. But culture, growth opportunities, work-life balance, management quality, and job satisfaction matter enormously. Use the financial comparison as a baseline, then weigh the intangibles.
How do I compare total compensation between two job offers?
Add base salary, bonus, equity value, retirement match, insurance value, PTO value, stipends, and commute savings. Then subtract extra commute costs, healthcare premiums, or other required costs. The best offer is the one with the strongest total value after both money and lifestyle tradeoffs are included.
How much is a remote job worth?
A remote job can be worth thousands per year through lower commuting, parking, fuel, clothes, meals, and time costs. The value depends on commute distance and how often you would otherwise travel. Add those savings to compensation before comparing offers.
Know your worth. Choose wisely.
Use our other tools to plan your budget around your new compensation package.