What is my employee total compensation package worth?

Income

Gross annual income ?

Your base salary before taxes and before any benefits are added.

Advanced options 1

Daily wage ?

Auto-calculated from your gross annual income; used to value time-off benefits. Override only if your actual daily rate differs.

Time Off Benefits

Vacation days / year

Paid holidays / year

Personal & sick days / year

Advanced options 1

Break minutes / day ?

Paid break time each workday, valued using your daily wage.

Government Benefits

Advanced options 2

Worker's compensation (percent of salary)

Unemployment insurance / year

Insurance Benefits

Medical / month

Advanced options 5

Life insurance / month

Disability / month

Dental / month

Supplemental / month

Other / month

Annual Retirement Benefits

401(k)/403(b)/Other employer contribution (percent of salary)

Advanced options 1

Retirement account employer contributions / year

Other Monthly Fringe Benefits

Advanced options 6

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Enter your values and select Calculate.

Total compensation adds the dollar value of your time off, insurance, retirement contributions, and other perks on top of your salary. It is a useful way to compare job offers or see the fuller picture of what an employer provides beyond a paycheck, but it is not cash in hand — most of these amounts are benefits you use or accrue, not money you can spend freely.

Two inputs shape this figure the most: your gross annual income, since several benefits like Social Security and workers' compensation scale directly with it, and your retirement contribution percentage or dollar amount, which for many people is the single largest non-salary line. Insurance premiums matter too, especially if your employer covers a large share of medical costs.

This calculator does not account for taxes on income or on some benefits, inflation eroding future value, how a benefit's real worth to you might differ from its stated cost (a gym membership you never use adds little), or changes your employer could make to any of these programs. Treat the total as a planning estimate, not a guarantee of value.

If you are comparing two job offers, run this calculator once for each and look at both the total and the breakdown — a lower salary with strong retirement matching and full medical coverage can outweigh a higher salary with thin benefits. Revisit the numbers whenever your salary changes, you get a new benefits package, or you are deciding between offers. Having a clear number for what you actually receive, beyond your paycheck, is a step many people never take.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.