DigitHelm
Financial Math

Salary Negotiation Calculator | Compare Total Compensation Packages

Compare two job offers side-by-side on total compensation — not just base salary. Quantifies the dollar value of 401k match, health insurance, PTO days, remote work savings, equity/RSU, signing bonus, and annual raise trajectory. Shows true yearly and lifetime earnings difference.

Instant Results100% FreeAny DeviceNo Sign-up
Job Offer A
Job Offer B

Total Compensation vs Base Salary

Base salary is only one component of compensation. A job offering $10,000 more base pay may actually be worth less than a competing offer once you account for health insurance contributions, 401k matching, PTO value, remote work savings, and equity. This calculator quantifies all these factors so you can make a true apples-to-apples comparison.

How Benefits Are Valued

BenefitHow This Calculator Values It
401k MatchEmployer match % × salary (up to match cap)
Health InsuranceEmployer premium contribution (what they pay, not you)
PTO DaysDaily base salary rate × number of PTO days
Remote WorkIRS mileage rate × round-trip × in-office days avoided
RSUs / EquityTotal grant amount divided by vest period (annualized)
Employer HSADirect employer contribution to your HSA

Negotiation Tips

Once you know which offer has higher total compensation, use the gap as leverage in negotiations. If an employer won't budge on base salary, ask for more PTO, a signing bonus, remote work flexibility, or accelerated equity vesting. Get every verbal commitment in writing before accepting. The first offer is rarely the final offer.

Disclaimer: Calculations are pre-tax estimates. Stock/RSU values may fluctuate. Health insurance value depends on plan quality, not just premium. Individual tax situation, family status, and other factors will affect take-home pay. Use this as a starting point for your analysis.

You Might Also Like

Explore 360+ Free Calculators

From math and science to finance and everyday life — all free, no account needed.