Job Offer Comparison Calculator

Value only the portion that vests each year, and discount it for the risk it never pays out. For a private company, many people count equity at a fraction of paper value or at zero, because illiquid shares can end up worthless. For public company RSUs, the annual vesting value is close to cash and can be counted near face value. Entering the annual vesting amount rather than the total grant is the most common correction people need to make.

Yes, and it is the item most often left out. A 45 minute each way commute is roughly 390 hours a year, which at a $40 effective hourly rate is about $15,600 of time, plus fuel, wear, parking or fares. A job paying $8,000 more can easily lose to one that is closer. Include both the money cost and the hours, because the hours are usually the larger number.

A match is immediate compensation, not a future abstraction. A 4% match on a $90,000 salary is $3,600 a year you would otherwise have to save yourself. It is worth more than equal salary in one respect — contributions grow tax deferred — and less in another: it is usually not available until you are vested, so check the vesting schedule before counting it fully.

Compare the effective hourly rate rather than the annual figure. An offer of $95,000 that reliably requires 55 hours a week pays about $33 an hour. An offer of $82,000 at 40 hours pays about $39 an hour. The lower salary is the better job on every measure involving your time. Enter expected weekly hours for both and use the real hourly rate as the deciding number.