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Job Offer Comparison Calculator

Compare two offers on total compensation and strategic durability. Not just year-1 cash — a 5-year value adjusted for AI exposure, growth, and skill compounding.

Verdict

Offer A pays $30K more in year one, but Offer B is worth $88K more risk-adjusted over 5 years.

5-year risk-adjusted valuethe number that matters

Offer A
$822K
Offer B
$911K

5-year nominal value

Offer A
$1M
Offer B
$921K

Year-1 total compensation

Offer A
$200,000
Offer B
$170,000

Effective hourly rate

Offer A
$83/hr
Offer B
$79/hr

Dimension by dimension

DimensionOffer AOffer BEdge
Year-1 cash$200,000$170,000Offer A
Effective hourly$83/hr$79/hrOffer A
AI durability60 exposure40 exposureOffer B
Growth trajectory+2%/yr+4%/yrOffer B
Skill compounding×1.00×1.15Offer B
How this is calculatedClick to expand

Year-1 total comp = base + bonus + equity + benefits

Effective hourly = total comp ÷ (hours × 48 weeks)

5-year nominal value = Σ total comp × (1 + growth rate)ʸ for years 0–4

Risk adjustment factor = 1 − (AI exposure ÷ 100 × 0.35) — a 75-exposure role discounts its 5-year value by ~26%; a 20-exposure role by 7%.

5-year risk-adjusted value = 5-year nominal × risk factor × skill multiplier — where skill compounding is ×1.15, maintaining is ×1.00, and treadmill work is ×0.90.

The risk adjustment models displacement and leverage risk — the chance a role's tasks lose value or bargaining power as AI absorbs them. It is a way to price uncertainty into a comparison, not a prediction of what will happen to any specific job.

How to compare job offers beyond base salary

Base salary is the most legible number in any offer, which is exactly why it gets too much weight. Two offers can differ by $20,000 in base and still be misranked, because base ignores bonus, equity, benefits, and — most often forgotten — hours. A $180,000 role at 60 hours a week pays a lower effective hourly rate than a $150,000 role at 45. The first correction is simple: compare year-1 total compensation, then divide by the hours the role will actually demand.

The second correction is time. An offer is not a one-year contract; it's a multi-year position in a trajectory. A role in a growing company or industry compounds — raises, refreshes, promotions. A role in a declining one flatlines, and the year-1 premium you negotiated quietly erodes. Projecting five years with even a modest growth assumption regularly flips which offer is worth more.

Why AI exposure belongs in offer math in 2026

Compensation is a claim on future work, and the value of that claim depends on whether the work still commands a premium when you're three years in. AI doesn't need to eliminate a job to damage its economics — it only needs to compress the scarce part. When routine digital execution becomes cheap, the roles built on it lose bargaining power first: slower raises, thinner refreshes, weaker exit options. Judgment-heavy, relationship-heavy, and physically anchored work holds its pricing power longer. That difference is real money over five years, so it belongs in the math — as a risk discount, not a prophecy. If you haven't assessed your own role yet, start with the AI Automation Risk Calculator.

The final correction is skill compounding. A role that builds rare, durable career capital raises the value of every future offer you'll receive; a role that runs your existing skills on a treadmill quietly taxes them. The calculator above folds all three corrections into one number — a 5-year risk-adjusted value — so the comparison happens on the axis that actually determines outcomes.

Numbers narrow the decision; they don't finish it. When two offers land within a few percent, the tiebreakers are strategic: who you'd work with, what the role closes off, and whether it fits the direction you've chosen. For that half of the decision, use the seven-question offer evaluation framework.

Frequently asked questions

How do I compare two job offers with different salary and equity?

Convert both to year-1 total compensation: base plus bonus target plus annualized equity plus any benefits difference. Then project five years forward with a growth assumption and discount for risk. Two offers can only be compared on the same axis — total value over time, not headline salary.

Should I take the higher-paying job offer?

Not automatically. A higher year-one number can sit inside a role with high AI exposure, flat comp growth, and depreciating skills — which can make it worth less over five years than a lower offer that compounds. Run the numbers risk-adjusted first, then decide on direction, not just cash.

How do I value startup equity in a job offer?

Divide the stated grant value by the vesting period to get an annual figure, then discount it heavily — 50% or more for private companies — because you cannot sell it, the valuation is unproven, and dilution is likely. Public-company RSUs can be taken closer to face value. If equity has to carry the offer, treat that as information.

What does "AI-adjusted" compensation mean?

It means discounting a role's projected earnings by how exposed its core tasks are to AI automation. A role built on routine digital execution carries more displacement and leverage risk over five years than judgment- and relationship-heavy work, so its future comp is less certain. The adjustment models risk — it is not a prediction.

An offer is one decision. Your career is a system.

Life Strategy OS gives you a weekly operating system for the decisions that compound — direction, experiments, and the career capital no offer letter shows.

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