Calculate your complete compensation package including salary, bonuses, equity, and benefits. Get the full picture of any job offer.
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A mid-level software engineer in Austin, TX is comparing a $130,000 W-2 offer against their current $115,000 role. The new offer includes a $10,000 signing bonus and 0.1% equity in a Series B company.
Takeaway: Texas has no state income tax, which inflates take-home vs. the same offer in California (~9.3% marginal) or New York (~6.85%). Run the comparison with your state's rate above.
Take-home calculators estimate withholding based on single/married status and claimed allowances. If you have side income, multiple jobs, or itemized deductions, your actual withholding will differ. The IRS Tax Withholding Estimator is the most accurate tool for W-4 calibration.
Nine states have no income tax (TX, FL, WA, NV, AK, SD, WY, TN, NH). California tops out at 13.3% marginal. State tax can shift your net paycheck by $200-$1,000/month on a $100K salary. Always select your state before reading take-home results.
Cost of Living Salary AdjustmentEmployer-paid health insurance, 401(k) match, HSA contributions, and paid leave have real dollar value — typically $8,000-$25,000/year for a mid-career employee. Comparing two offers on base salary alone ignores a major component of total compensation.
Benefits Value CalculatorW-2 employees pay 7.65% FICA (SS + Medicare); employers match it invisibly. 1099 contractors pay the full 15.3% self-employment tax. A $100K 1099 contract has roughly $7,650 more tax friction than a $100K W-2 salary before any other adjustments.
1099 vs W-2 Tax ComparisonBonuses are withheld at a flat 22% federal supplemental rate (or 37% over $1M) — not your effective rate. Your actual tax on the bonus is determined at year-end filing. If your marginal rate is below 22%, you'll get a refund; above, you may owe.
Bonus Tax CalculatorBased on your inputs
$12,917/month equivalent
| Cash Compensation (71%) | $110,000 |
|---|---|
| Base Salary | $100,000 |
| Annual Bonus | $10,000 |
| Signing (amortized) | $0 |
| Equity (16%) | $25,000 |
| Benefits (13%) | $20,000 |
| TOTAL COMP | $155,000 |
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Total compensation includes base salary, annual bonuses, stock options/RSUs, health insurance, retirement contributions, and other perks.
Add base salary + annual bonus + equity value/year + benefits value. Equity is usually vested over 4 years.
A $80k salary with great benefits and RSUs can be worth more than a $100k salary with no benefits. Always compare total comp.
Benchmarks vary by industry and level. In tech, L4 engineers often receive $150k–$250k total comp at top companies.
Employer-sponsored health insurance is worth $8,000 to $24,000 per year depending on plan type and family coverage. The average employer contribution is roughly $6,500 for individual and $16,000 for family plans.
For public companies, use current stock price times shares vesting per year. For private companies, use the latest 409A valuation with a 20 to 40 percent discount for illiquidity and risk.
Base salary typically represents 60 to 80 percent of total compensation for most roles. In tech and finance, base salary may be only 40 to 60 percent with significant portions coming from equity and bonuses.
Multiply your salary by the match percentage. A 100 percent match on the first 4 percent of a $100,000 salary adds $4,000 per year to your total compensation, effectively a 4 percent historically reliable return.
Life insurance, disability coverage, tuition reimbursement, commuter benefits, gym memberships, and employee discounts are often overlooked. These perks can add $2,000 to $10,000 annually to your total package.
Tech and finance offer the highest total comp with significant equity and bonuses. Healthcare and education rely more heavily on base salary and benefits. Government roles emphasize pension and job security over cash compensation.
Total Comp = Cash + Equity + Benefits
Cash = Base + Bonus + Signing (amortized)
Equity = RSUs/yr + Options/yr
Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.
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Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.