Compare two job offers side by side including salary, benefits, equity, and cost of living. Free job offer calculator. No signup required.
Choosing between two job offers based on salary alone misses the complete picture. Health insurance quality, 401k match, remote work savings, equity value, and cost of living in each location can swing the real value by $20,000-$50,000. Our calculator converts everything to a true annual compensation comparison so you can make a fully informed decision.
Hidden compensation components: 401k match: $3,000-$10,000/year value (often overlooked). Health insurance quality: difference between $500/year out-of-pocket versus $4,000/year is $3,500 annual difference. Remote work value: commute savings $200-$500/month, no relocation required. Equity or stock options: $0 to massive value — model conservative and optimistic. Professional development: $1,000-$5,000/year in paid certifications, conferences, education.
Comparing offers in different cities: $120,000 in San Francisco versus $90,000 in Austin. San Francisco cost of living index: 94 vs Austin 68 (on relative scale). Adjustment factor: 94/68 = 1.38. Austin $90,000 × 1.38 = $124,200 equivalent in SF purchasing power. Austin offer is actually slightly better in purchasing power — plus no state income tax adds another $5,000-$8,000 annually. Always compare adjusted not nominal salary.
Comprehensive comparison framework: Base salary (after location adjustment). Total cash compensation (base plus bonus). Equity value (current and potential). Benefits monetary value (health, dental, vision, 401k match, PTO). Remote flexibility value (commute cost and time). Career growth potential (title, skills, network). Company stability (profitable vs burning cash). Culture and management (harder to quantify but often most important).
Calculate the real difference: Offer A: $95,000 salary, $3,000 health premium, 3% 401k match = $2,850. Net: $94,850. Offer B: $90,000 salary, $0 health premium, 6% 401k match = $5,400. Net: $95,400. Offer B is worth more despite lower salary. Benefits are pre-tax in many cases — $1,000 in employer health premium is worth $1,300-$1,400 in gross salary equivalence.
Equity valuation framework: Ask for number of shares, total shares outstanding, current preferred share price (last funding round). Calculate percentage ownership. Model exit scenarios: 1x revenue exit, 3x revenue exit, acquisition. Apply typical dilution of 30-50% through future funding rounds. Apply probability discount — most startups fail. Treat equity as lottery ticket bonus, not core compensation — never accept below-market salary for equity alone.
Yes — every FreeFixo tool, including the Job Offer Comparison Calculator — Which Offer Is Really Worth More?, is 100% free with no paywall, no premium tier, and no usage limits. You do not need to create an account, enter a credit card, or share an email.
The Job Offer Comparison Calculator — Which Offer Is Really Worth More? uses the same formulas, rates, and reference data that financial planners, professionals, and government sources publish. Results are estimates intended for planning and education — for situations involving large sums or legal consequences, confirm with a qualified professional before acting.
No signup is ever required. The Job Offer Comparison Calculator — Which Offer Is Really Worth More? runs entirely in your browser — your inputs are never sent to a server, and we do not store, track, or share your data. Open it, get your answer, close the tab.