Life Transitions

Job Offer Comparison Calculator

Compare competing job offers on total compensation including salary, bonus, equity, benefits, and effective tax rate.

Decision Summary

Best offer: Offer B

$162,000.00

Offer A: $153,000. Offer B: $162,000. Difference: $9,000 in favor of Offer B.

Scenario Comparison

The main answer and the most important supporting outputs in one glance.

Best offer: Offer B

$162,000.00

Offer A total comp

$153,000.00

Offer B total comp

$162,000.00

Difference

-$9,000.00

Key Metrics

Offer A total comp

$153,000.00

Offer B total comp

$162,000.00

Difference

-$9,000.00

Offer A cash (salary + bonus)

$130,000.00

Offer B cash (salary + bonus)

$125,000.00

How to use it

Enter each offer's base salary, bonus, equity or RSUs, 401(k) match, health insurance premium and deductible, PTO days, commute cost, and any relocation package. Convert equity to an annual expected value rather than using the grant headline.
Read total annual compensation for each offer and the monthly take-home after taxes and benefits. The offer with the higher base salary does not always win once benefits, commute, and cost of living are included.
If two offers are within 5%-10% of total comp, non-financial factors like growth potential, management quality, and remote flexibility should break the tie. A $5,000 comp difference rarely justifies a miserable commute or a dead-end role.
Negotiate the weaker offer using the total-comp comparison, focusing on the specific gap such as signing bonus, equity refresh, or 401(k) match. Then run the relocation financial impact calculator if a move is involved.
Re-run when offer terms change during negotiation or when new offers arrive. Track total comp, effective hourly rate including commute time, and the long-term equity or pension value.

AI Integrations

Contract, discovery endpoints, and developer notes for agent use.

Always available for agents

Tool contract JSON

https://aifinhub.io/contracts/job-offer-comparison-calculator.json

Stable input and output contract for this exact tool.

Human review

People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.

/agent-tools.json - machine-readable tool index.
/llms.txt - human-readable model discovery guide.
/.well-known/webmcp.json - WebMCP capabilities manifest.
/.well-known/ai-plugin.json - plugin-style discovery manifest.

{
  "tool": "job_offer_comparison",
  "salary_a": 125000,
  "bonus_a": 10000,
  "equity_annual_a": 15000,
  "benefits_value_a": 8500,
  "salary_b": 140000,
  "bonus_b": 7000,
  "equity_annual_b": 25000,
  "benefits_value_b": 6000
}

Open tool contract JSON Open AI integrations guide

Expand developer notes

Agent playbook

Resolve Job Offer Comparison Calculator from /agent-tools.json and open its contract before execution.
Validate inputs against the contract schema instead of scraping labels from the page UI.
Open the browser page only when a person wants to review charts, assumptions, or related tools.

Agent FAQ

Should ChatGPT, Claude, or another agent click through the UI?

No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.

When do tools show Quick and Advanced?

Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.

When should an agent still open the browser page?

Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.

Questions people usually ask

What does total compensation include?

Base salary, bonus, equity (RSUs, stock options), 401(k) match, health insurance premium savings, HSA contributions, PTO value, commute costs, and remote work savings. Two offers with identical salaries can differ by $20,000-$50,000 in total comp.

How does the tool value equity compensation?

It applies a discount to unvested equity based on vesting schedule and volatility. Pre-IPO startup equity is heavily discounted (70-90% haircut) due to illiquidity and failure risk, while public company RSUs are valued closer to market price with a vesting timeline adjustment.

Why do people overvalue salary and undervalue benefits?

Salary is concrete and easy to compare, while benefits require calculation. A job paying $5,000 less but with a 6% 401(k) match on a $120,000 salary gives you $7,200/year in free money — a net gain of $2,200 that many candidates overlook entirely.

When should I use this vs a salary comparison site?

Salary sites tell you market rate for a role. This tool compares two specific offers you have in hand, including all non-salary components, to determine which package is actually worth more to you.

Is my data stored?

No. All calculations happen in your browser. Nothing is stored or transmitted.