Benefits Calculator

Calculate total compensation including benefits value

Base Compensation

Annual bonus as % of base
One-time (amortize over years)

Equity Compensation

Additional grants per year

Health Benefits

Employer contribution to premiums
Annual employer contribution
Annual premium value

Retirement & Savings

% of salary matched
Stock purchase discount

Time Off & Perks

Annual transit/parking benefit
Meals, gym, phone, etc.

Compare Two Offers

Enter details for two job offers to see side-by-side comparison

Offer A

Offer B

Benefits Benchmarks by Industry

See how your benefits compare to industry standards

Technology Industry Benchmarks

Health Insurance
$15-20k
401k Match
4-6%
PTO Days
15-25 days
Equity (Annual)
$10-50k
Education Budget
$2-5k
Remote Work Stipend
$500-2k

What to Ask For

If your benefits are below benchmark, use this data to negotiate. Health insurance and 401k match have the highest monetary value. Don't overlook education budgets - they can fund certifications worth $5k+.

Benefits Value Comparison

Average total benefits value by company type

Company TypeBenefits Value% of Base
FAANG/Big Tech$45,000 - $80,00030-50%
Tech Startup (Funded)$25,000 - $45,00020-35%
Mid-size Tech$20,000 - $35,00018-28%
Finance/Banking$30,000 - $50,00025-40%
Consulting$25,000 - $40,00022-32%
Healthcare$20,000 - $30,00018-25%
Small Business$10,000 - $20,00012-18%

Understanding Your Benefits

Health Insurance

The most valuable benefit for most employees. Employer-sponsored plans typically cost:

  • Individual: $7,000 - $10,000/year (employer portion)
  • Family: $18,000 - $25,000/year (employer portion)
  • Check deductibles, out-of-pocket max, and network quality

401(k) Match

Free money - always max out the match. Common structures:

  • 100% match up to 3%: Contribute 3% to get 3% free
  • 50% match up to 6%: Contribute 6% to get 3% free
  • Check vesting: Some require 2-4 years to fully own match

Equity Compensation

Can be significant at public companies and successful startups:

  • RSUs: Most common, vest over 4 years, taxed at vesting
  • Stock Options: Right to buy at set price, potential upside
  • ESPP: Buy stock at 15% discount - basically free money

PTO Value

Calculate daily rate: Base salary / 260 workdays

  • At $100k salary, each PTO day = ~$385
  • 5 extra PTO days = ~$1,925 value
  • "Unlimited PTO" often means less time off in practice

Often Overlooked Benefits

  • HSA: Triple tax advantage - contributions, growth, withdrawals all tax-free
  • Commuter benefits: Pre-tax transit/parking saves $1,000+/year
  • Education: Tuition reimbursement up to $5,250 is tax-free
  • Parental leave: Paid leave beyond FMLA is major value
  • Sabbatical: Some companies offer paid time off at milestones

Negotiating Benefits

Easier to Negotiate

  • Sign-on bonus (one-time, no ongoing cost)
  • Start date / extra time off before starting
  • Remote work / flexible schedule
  • Education budget / conference attendance
  • Equipment / home office stipend

Harder to Negotiate

  • Health insurance (company-wide plans)
  • 401(k) match (requires plan amendment)
  • Base PTO policy (often standardized)
  • Equity grants (may have bands/levels)
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Chester's Analysis