Compare two job offers side-by-side. Includes salary, bonuses, retirement match, health insurance, PTO value, and commute cost.
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Winner
Total annual compensation includes base pay, sign-on bonus (year 1), annual bonus (after supplemental tax), 401(k) employer match, health insurance value, PTO value, minus annual commute cost.
How we calculate total compensation
Gross base pay: Annual salary, or hourly rate × hours/week × 52 weeks.
Sign-on bonus (after tax): Bonus × (1 − bonus tax rate). Default 22% federal supplemental rate; state tax not included.
Annual bonus (after tax): Same as sign-on, but recurring annually.
401(k) match: Min(employer match % × gross salary, match limit). This is free money — always claim the full match.
Health insurance value: Annual $ value of employer-paid premiums. Average employer contribution: $7,000-$15,000/year for family coverage.
PTO + Holiday value: (PTO days + paid holidays) × (annual salary / 260 working days). Represents the value of paid time off.
Commute cost: One-way miles × 2 × days/week × 50 weeks × IRS mileage rate (default $0.67/mile in 2026). Doesn't include the time cost of commuting.
Total compensation: Net cash (base + after-tax bonuses) + 401(k) match + health insurance + PTO value − commute cost.
Effective hourly rate: Total compensation / hours worked per year. The "after commute" version divides by hours worked + commute time, capturing the hidden cost of a long commute.
