Total Compensation Calculator
Compare salary, bonus, employer benefits, paid time off and risk-adjusted equity on one annual and hourly basis.
Financial Decision Lab
Total Compensation
Cash, Benefits, And Equity
Total Compensation Workbench
Inputs Recalculate Instantly
Annual Package
Cash And Benefits
Risk-Adjusted Value
Equity And Workload
Estimated Annual Value
Package Readout
Risk-Adjusted Total Compensation
$174,250
$80.67 per working hour based on entered workload.
Cash Compensation
$140,000
Benefits
$25,250
Annual Equity
$15,000
Before Realization Adjustment
Realized Equity
$9,000
Scenario Comparison
Equity Outcome Range
No Equity Realization
0% Of Annualized Grant
$165,250
Entered Expectation
60.0% Of Annualized Grant
$174,250
Full Grant Realization
100% Of Annualized Grant
$180,250
Calculation Trace Show
Salary + Bonus + Commission$140,000Grant / Vesting Years x Realization$9,000Cash + Benefits + Risk-Adjusted Equity$174,250DISCLAIMER: This tool provides educational planning estimates, not financial, investment, tax, legal, accounting, lending, or appraisal advice. Results depend on the assumptions you enter and may differ materially from actual outcomes. Rates, taxes, fees, market returns, benefits, and regulations can change. Consult qualified professionals before making consequential financial decisions.
What Is the Total Compensation Calculator?
The Total Compensation Calculator builds a more complete job-offer value than salary alone. It combines base pay, expected bonus, employer retirement contributions, health benefits, stipends and paid time off with a probability-adjusted annualized value for equity. It also subtracts employee-paid benefit costs and converts the package to an effective hourly value using actual work expectations.
How It Works
Enter cash compensation, bonus probability, employer benefits, retirement match, equity value and vesting period, then add employee premiums and expected weekly hours. Review guaranteed compensation separately from contingent value. Use conservative probability and liquidity assumptions for private-company equity, and compare multiple offers with the same assumptions.
When to Use It
Use it to compare employment offers, evaluate a promotion, understand the cost of lost benefits when becoming self-employed, or negotiate the parts of a package that matter beyond base salary.
Frequently Asked Questions
- How should I value private-company equity?
- Use a conservative probability-adjusted value, account for vesting and dilution, and remember that a paper valuation is not cash. The calculator intentionally separates contingent equity from guaranteed compensation.
- Does total compensation equal take-home pay?
- No. Total compensation measures employer-provided economic value before personal income taxes. Use the Take-Home Pay Calculator for an after-tax cash estimate.
- Why include weekly hours?
- Two packages with the same annual value can have very different effective hourly compensation and quality-of-life tradeoffs when expected schedules differ.
Last reviewed: 2026-06-27