Finance & Business , 8 calculators

Compensation & Benefits Calculators

Compare health plans and job offers on what they really cost, and test merit budgets, salary bands, commission plans, leave balances and 401(k) match designs on your own data. Every calculator here runs live on a reviewed spreadsheet model, and shows its equations and the sources it cites.

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The calculators

All 8 compensation & benefits calculators

Health benefits

Employee Health Plan Total Cost Comparator

Compare up to five health plans over one plan year of claims: premiums, deductibles, copays, coinsurance and out-of-pocket limits for individuals and families, separate or shared prescription limits, and employer HSA and HRA money. You see each plan's annual cash cost and account-adjusted cost, the cheapest plan and its margin, a claim-by-claim ledger, 100 seeded simulated years from weighted claim bundles, and an 11 by 11 grid of claim levels against the premium difference. Estimates for planning, not benefits advice.

Health benefits

Health Plan Employer Contribution Optimizer

Set the employer share of health premiums for up to three contribution designs beside your current policy: flat dollars, a percent of premium, or an employee-only rate plus a dependent rate, by group and tier. Enter premiums by plan, tier and month and a census of employees or headcounts, and the optimizer finds the policy that keeps employee deductions closest to target, or the largest deduction lowest, within your budget, with the employer and employee cost of each design, the deduction per paycheck, and an 11 by 11 grid of premium changes against shifts in dependent coverage. Estimates for planning, not insurance, tax or legal advice.

Pay structure

Merit Increase Budget Optimizer

Split a merit budget across up to 10 employees: each gets a target raise from a merit matrix of performance rating by position in the salary range, then the raises are fitted to the budget, either as close to target as the minimums, maximums and grade limits allow or scaled proportionally, on an annual run-rate or remaining plan year cash basis. You see each raise, the spend against the budget and any shortfall, and an 11 by 11 grid of budgets against the maximum increase. Estimates for planning, not pay advice.

Time off

PTO Accrual Liability Calculator

Forecast paid time off for up to 10 employees and 3 leave banks over up to 12 months, event by event from your own policy rules: accrual by hours worked, pay period, calendar month, anniversary year or annual front-load, with service tiers, waiting periods, balance, annual and carryover caps, negative floors, usage, resets with forfeiture and payouts at separation, giving the closing balances in hours and days, the gross leave value and the payout-eligible liability at each month end, and an 11 by 11 grid that scales usage and wages. Estimates for education, not payroll, accounting or legal advice.

Retirement benefits

Retirement Match Design Simulator

Compare up to three 401(k)-style employer match designs for up to 10 employees, pay period by pay period: tiered match formulas, per-period or annual match with a true-up, eligibility waiting periods, annual match caps and vesting schedules, applied against the statutory deferral, catch-up, compensation and annual-additions limits or your own. You see each design's match cost, what each employee gains or leaves unclaimed, vested and unvested balances, and an 11 by 11 grid of deferral shifts against match multipliers. Estimates for planning, not tax or legal advice.

Pay structure

Salary Structure Pay Compression Analyzer

Checks your salary structure and the pay of up to 10 employees against it: band position, compa-ratio and four kinds of pay compression, each with its reason. In a correction mode it finds the smallest set of raises that removes the selected compression and shows what they cost and whether your raise cap and budget allow them. It uses your own structure, not market pay data.

Sales compensation

Sales Commission Accelerator Simulator

Model up to three sales commission plans on your own team data: up to 10 employees, 100 sales and returns, and 200 credit splits. Each plan pays marginal or retroactive tiers on revenue or gross profit, with optional threshold gates, payout caps, product multipliers, draws and a payment lag. You see commission earned and cash paid in the plan year, what the lag moves past year end, each employee under the assigned plan, every plan applied to the whole team, a period ledger and tier audit for one employee, and an 11 by 11 what-if grid of revenue against margin or quota. Estimates for planning, not pay, tax or legal advice.

Total rewards

Total Rewards Offer Comparator

Compare up to four job offers over 1 to 10 years on salary and raises, bonus, signing and relocation money, health premiums, employer retirement and HSA money, paid time off and equity grants: each offer's cash, employer account money and counted equity are discounted to the start date, with optional simplified after-tax values, a departure date with bonus and repayment rules, the base salary at which one offer matches another, and an 11 by 11 grid that shifts share-price growth and bonus payouts. Estimates for education, not financial or tax advice.

Results are informational and not professional advice. See our Terms of Use. Calculations powered by SpreadsheetWeb.
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