Benefits Package Value Calculator

Salary is only part of the picture. Calculate the true value of your benefits package - health insurance, equity, 401k match, PTO, and more - and compare offers accurately.

30-40%
Average value of benefits as a percentage of base salary
$22,000+
Average annual value of employer benefits per employee in the US
73%
Of employees say benefits are a key factor when choosing between offers

How the Benefits Package Calculator Works

Three steps to know your true total compensation.

1

Enter Your Benefits

Enter your base salary and each benefit's estimated value. All fields except base salary are optional.

2

See Your Total Comp

Get your total annual compensation broken down by category, with each item shown as a percentage of the total.

3

Compare and Negotiate

Use the numbers to compare offers or negotiate with confidence. Know your benefits premium before you accept.

Calculate Your Total Compensation

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Average employer contribution is ~$6,000/year
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E.g. 4% match on $80k salary = $3,200
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Each day is approximately salary divided by 250 working days
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Total Annual Compensation
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Enter your salary and benefits to see your total compensation breakdown.

Frequently Asked Questions

Everything you need to know about calculating total compensation. Still have questions? .

Why does total compensation matter more than salary?

A $90k role with full health coverage, 4% 401k match, and 25 PTO days can easily be worth $110k+ in total value. Comparing base salaries alone gives you an incomplete picture.

How do I calculate the value of my health insurance?

Check your benefits summary for the employer's annual contribution. In the US, the average employer contribution to health insurance is around $6,000-$7,500 per year for an individual plan.

How do I calculate the value of PTO?

Divide your annual salary by 250 (approximate working days in a year) to get your daily rate. Multiply by your PTO days. 20 days of PTO on an $80k salary = $6,400 in value.

Should I include equity in my total compensation?

Include it if it is vested or on a reasonable schedule - but discount heavily for startup equity. RSUs at public companies are more reliable to value.

Can I use this to negotiate my salary?

Yes. Knowing your total compensation helps you negotiate more precisely. You might accept a lower base if the benefits package is exceptional, or push harder on base if benefits are minimal.

What is a 'benefits premium'?

The dollar amount your benefits add on top of your base salary. A 30% benefits premium on a $80k salary means your total compensation is worth approximately $104k.

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