This tool does not provide financial, investment, tax, legal, career, or accounting advice, and using it does not create any advisory or professional relationship. It is a self-service calculator for general educational and informational purposes only. Nothing it displays should be taken as a recommendation to accept, decline, or negotiate any job offer, or to take any other action. This tool also sells nothing — it runs no ads and has no affiliate, referral, or sponsorship relationships with any employer, recruiter, brokerage, or financial company, so it earns nothing from what you decide and has no incentive to steer you anywhere.
The calculator values the major components of a compensation package — salary, bonus, 401(k)/403(b)/TSP match structures (capped at the 2026 §401(a)(17) compensation limit), automatic employer contributions, an employer-funded pension estimate, employer-paid health premiums, HSA contributions, RSU vesting, ESPP discounts (within the §423 $25,000 limit), paid time off, and cash perks. Real packages have more moving parts: match and employer-contribution vesting schedules (unvested money isn't yours yet), bonus targets that don't pay out, stock that moves, health plans whose deductibles and networks differ far more than their premiums, ESPP lookback provisions, pension formulas with service and age conditions, severance, and more. The FERS figures are a good-faith annual-value estimate built on OPM's published normal-cost rates — not a projection of your actual annuity. If any of this fine print matters to your decision, check the plan documents.
Every figure is an estimate built from the inputs you provide using simplified math. Benefit plans change, limits are adjusted annually, and equity values move daily. Actual results will differ. No accuracy, completeness, or outcome is promised, and the calculations may contain errors. Do not accept or decline an offer based on this tool alone.
For a decision this important, an hour with a fee-only advisor — paid for advice rather than for selling a product — is worth real money.
This is an independent, privately made tool. It is not created, endorsed, sponsored, or reviewed by any government agency, employer, brokerage, or financial company.
This tool is provided "as is," without warranty of any kind, express or implied, including any warranty of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, the author shall not be liable for any loss or damages of any kind arising from your use of, or reliance on, this tool or its output. Your use is entirely at your own risk.
This tool is free to use. If a "tip" or "support" option is offered, any payment is a voluntary gift, is not a purchase of the tool or of any service, is not required to use any feature, and is non-refundable. Supporting the project does not entitle you to advice, support, or any particular result, and does not change any part of this disclaimer.
The tool and this notice may be updated at any time; the "Last updated" date above reflects the latest revision. Continued use means you accept the current version.
© 2026 Marcus Cunningham. All rights reserved. This tool is free to use, and you're welcome to share the link — but its code is not licensed for reuse, redistribution, rehosting, or repackaging. Please point people to the official site rather than copying the page.