Job Offer Comparison Calculator

How the comparison works

Total compensation = base salary + signing bonus + annual bonus + equity vesting + 401(k) match + benefits value − commute cost − time value − work-related expenses.

The five categories most people skip:

• Equity vesting schedule. A $40K/year RSU grant cliff-vesting at year 1 is different from $40K/year evenly over 4 years. Net present value matters.
• 401(k) match. 6% match on a $120K salary = $7,200/year of free money. A 3% match is half. Compounded over years, this dwarfs $5K of base salary difference.
• Commute time value. 60 minutes/day × $40/hour pre-tax × 240 days = $9,600/year of time value at stake.
• Health insurance premium share. Some employers cover 90%, some 50%. On a family plan that's $5-10K/year of difference.
• Remote vs in-office. Remote saves ~$8-12K/year (commute, food, wardrobe). Effectively a tax-free raise.

5-year wealth projection: takes the annualized package, models salary growth + 401(k) compounding + equity vesting at expected return, outputs the cumulative wealth difference between offers.

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Real-world scenarios

• $140K offer vs $130K offer: when the lower number wins — commute, 401(k) match, equity, and remote/in-office can flip the comparison entirely.