Base salary is just the start. See the full value of your offer including benefits, bonus, and equity.
$
401(k) Match (%)% of salary employer matches
Health Insurance ($/mo)Employer premium contribution
Annual Bonus ($)Target or guaranteed bonus
PTO Days/YearPaid time off days
Annual Equity / RSU ($)Annual vested value estimate
Total Annual Compensation
$0
Base + benefits + bonus + equity
Base Salary
—
of total
401(k) Match
—
employer contrib.
Health Insurance
—
annual value
Bonus
—
target/year
PTO Value
—
days × daily rate
Equity / RSU
—
annual est.
Effective Hourly
—
total ÷ 2,080 hrs
What Counts as Total Compensation?
Total compensation (TC) includes everything your employer pays for your work — not just your salary. Understanding TC helps you compare offers accurately, especially when one job pays more cash but fewer benefits.
Component
Typical Value
How to Estimate
Base Salary
60–80% of TC
Your annual or hourly rate
401(k) Match
3–6% of salary
Employer match rate × salary
Health Insurance
$4,800–$8,400/yr
Monthly employer premium × 12
Annual Bonus
5–20% of salary
Target bonus amount
PTO
2–6% of salary
Daily rate × PTO days
Equity / RSU
Varies widely
Annual vesting value
Total Compensation FAQ
Always negotiate total comp. Base salary raises future raises (since raises are often % of base), affects 401k match, and determines severance. If base is fixed, negotiate sign-on bonus, extra PTO, or accelerated equity vesting instead.
Employer-sponsored family health insurance averages about $22,000/year in total premium cost, with employers typically covering $15,000–$18,000 of that. Single coverage averages $8,500/year total, employers covering $6,500–$7,500. This is real money that doesn't show in your paycheck.
Enter each offer in the calculator. $85k + 20% target bonus = $102k in cash compensation — slightly higher. But target bonuses are not guaranteed. If the bonus hits 80% of target on average, effective TC is $85k + $13,600 = $98,600 — lower than the $100k flat offer. Factor in risk when comparing.