Find the real value of a job offer in 30 seconds. Includes base, bonus, equity (RSU), 401k match, health insurance, commute cost, and lifestyle factors. Free 2026 calculator.
Add up: base salary, target bonus (%), equity/RSU value (vest over 4 years), 401k match, health insurance value, commute cost (gas/transit/parking), other benefits. Compare to current job. Use 7-10% discount rate for equity (illiquid). $100K base + 15% bonus + $50K equity/yr + $10K benefits = $175K total comp. A 'lower' offer at $90K base + $80K equity might actually be $180K total.
You just saw the real number behind your job offer. The next step is putting it in context — projecting raises against inflation, comparing your lifetime earnings trajectory, modeling what happens to that income after taxes, and deciding whether to pay off debt or invest the difference.