Total Compensation Calculator
Updated November 2026 · Free · No sign-up
Calculate your total compensation — everything the employer spends on you: base, bonus, equity vesting, retirement match, insurance premiums, and PTO value — the number that makes packages comparable.
Quick answer: Total comp = base + bonus + annual equity vest + employer retirement contribution + employer-paid insurance + PTO value. A "$100k job" with strong benefits is routinely a $130-145k package — and a "$120k" one with none may be smaller.
What Counts (and How to Price It)
| Component | Pricing rule |
|---|---|
| Base | The anchor — the only piece that compounds through every % raise |
| Bonus | Target × the team’s actual payout history (ask!) — 100% assumptions flatter offers |
| Equity | Annualized vest at current value; private-company paper at 25-50% haircut |
| Retirement | Match/employer share you’ll actually capture — match, EPF, super, CPF |
| Insurance | What the employer pays that YOU’D otherwise buy — US health often $8-18k family |
| PTO | Days × daily base — real money, really consumed |
Worked Example
$100k base + $8k bonus (80% history on 10% target) + $6k RSU vest + $4.5k match + $12k health + 20 PTO days ($7.7k) = $138,200 total comp — 38% above the headline, and the honest comparison figure against any other offer.
Negotiating the Mix
Components trade at different exchange rates: base compounds forever (prefer it), signing bonuses are one-shot, equity is lottery-weighted, benefits are tax-efficient (employer health dollars are pre-tax dollars). The classic winning trade: accept a modest base gap for a strong match + insurance stack — then verify with this calculator that the stack actually closes it. For paycheck-level views, convert with the salary-to-hourly and the per-paycheck tools.
Frequently Asked Questions
What is total compensation?
Base + bonus + annualized equity + employer retirement contributions + employer-paid insurance + PTO value — the employer’s full spend on you.
How do I value RSUs in total comp?
Grant value ÷ vesting years at current price for public stock; discount private equity 25-50% for liquidity and risk.
How much is employer health insurance worth?
The premiums they pay — commonly $6-18k/year in the US depending on family coverage; near-zero in single-payer countries (priced into taxes instead).
Is PTO really compensation?
Yes — days × daily base is money you’re paid not to work; 20 days on $100k is $7,700.
Which component should I negotiate hardest?
Base — it compounds through every raise, bonus %, and retirement contribution that follows; one-time money never does.
✓ Formula verified • Last updated: November 3, 2026