Job offer
comparison.
Job offers can differ in base pay, equity, employer match, and cost of living. Compare two offers using the same total-compensation formula.
The question it answersWhich of two job offers actually pays more once benefits and cost of living are counted?
Rules: United States. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.
What this tool assumes
- COL-adjusted total comp = nominal total comp x (100 / local COL index). Useful when comparing offers across cities.
- COL index 100 = US average. NYC / SF ~150-180, low-cost midwest ~85-95. Use AreaVibes or BLS CEX for city-specific numbers.
- Equity value entered is the per-year vested dollar value, not the total grant. Divide 4-year grants by 4.
- Benefits value includes health insurance premium difference (employer-paid), FSA, commuter, life, disability, and other perks that are real money.
- Per-work-day assumes 261 work days per year minus your PTO allocation.
- Taxes are not modeled here; state-to-state tax differences can materially shift the comparison. Use the Paycheck Optimizer for per-state take-home math.
Total comp is one of several dimensions. Growth trajectory, team quality, and commute matter too. Educational only; not financial advice.
HOW THIS IS CALCULATED
This tool runs entirely in your browser: no data is sent to any server. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.
Where to go from here
Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed