Offer / annual salary converter
Base × months, annual bonus and annualised equity → annual cash total, monthly average, housing fund and net estimate; enter two offers for an automatic comparison.
共享参数（两个 Offer 通用）
比例按常见口径给了默认值，按你所在城市的实际标准改；「到手估算」用它。
Offer A
无股权留空；填「行权 / 归属时的年化现金价值」。
Offer B （选填，填了底薪就自动对比）
A / B 对比（B − A）
Offer 总包怎么读：哪些是真钱，哪些不算
年度现金总包的构成。总包 = 底薪（月薪 × 发薪月数）+ 年度奖金 + 长期激励（股权/期权）的年化价值。13 薪、14 薪、16 薪只是「底薪多发几个月」，与年终奖是两笔钱，别重复计入。股权填「归属 / 行权时的年化现金价值」最实在——授予数量 × 预估归属价，未归属、未行权的部分别按纸面价值算。
公积金是总包之外最容易被忽略的真钱。公积金（个人缴 + 单位缴）全部进入你个人名下账户，可以购房、租房、还贷，离职时按规定可提取——相当于每月多发的「税后工资」。但单位缴的社保（养老/医疗/失业等）进入社会统筹池，不能直接提取，行业惯例不计入个人总包。所以对比 Offer 时，「现金总包 + 公积金合计」两项一起看才完整。
到手估算为什么只算底薪。月薪走「累计预扣」，年度汇算口径下：年应发 − 60000 − 五险一金个人 − 专项附加扣除，套 3%~45% 累进税率。年终奖可以单独计税（政策执行到 2027 年底），股权在行权 / 转让时计税——两者的税负时点与方式因人而异，本页不把它们塞进「月均到手」，避免给你一个看起来精确、实际误导的数字。需要精确值时用「工资计算器」按月算。
谈 offer 时的三个动作。① 把口头承诺（月数、奖金系数、股权数量与归属节奏）全部落到书面；② 问清社保公积金缴费基数是「全额」还是「最低基数」——同样月薪，按最低基数缴，你个人账户每月少进几百上千元；③ 跨城市换工作时，把两地的公积金比例与提取政策算进去，它们差异可以超过 5 个百分点。
关于本页的数据。薪资数据只在你浏览器里做算术，页面不发起任何网络请求，不写 localStorage、cookie 或网址参数，刷新即清空。本页为量级估算，不构成收入承诺；具体以书面 offer 与工资条为准。
FAQ
Estimate the annualized cash value at exercise / vesting: put the value of stock vesting each year (shares x share price at vesting, or the exercise value stated in your grant) into 'annual equity value'. Leave it empty if there is none. Exercise prices, discounts and unvested portions are not counted - this page only compares orders of magnitude; the written agreement prevails.
The housing fund (your contribution plus the employer's) goes entirely into an account in your own name and can be used to buy or rent a home or repay a mortgage - real money, so this page lists it separately; employer-paid social insurance, however, enters the pooled fund and cannot be withdrawn directly, so by convention it is excluded from personal total compensation. When comparing offers, look at both 'annual cash package' and 'total housing fund'.
By the annual comprehensive income (wages and salaries only) rule: annual gross minus the 60,000 basic deduction, minus the personal part of the five insurances and one fund, minus special additional deductions, run through the seven progressive brackets from 3% to 45%, then divided by 12 for a monthly average. It excludes other comprehensive income such as remuneration for services and does not simulate the bracket-jumping details of monthly withholding; it is an estimate - your payslip is authoritative.
Yes. 'Months of pay' offers 12 / 13 / 14 / 15 / 16 / 18 / 24 and can also be customized; a year-end bonus is entered separately as an annual amount, so the two are never double-counted.
No. Every calculation runs in your browser: no requests are made, nothing is written to local storage, and closing the page erases everything. Salary is sensitive data - that is exactly why the computation stays purely local.