Benefits cost share calculator
Your pay stub shows two benefit numbers: what comes out of your check, and what your employer contributes. Put in both and see the split, and what that employer share is worth to you over a year.
Enter both shares from your pay stub
How the math works
Your share plus the employer's share is the total premium. Divide each by the total for the percentages, and multiply the employer's share by 12 for what it's worth to you over a year. Both numbers are on your pay stub: your share is the benefits deduction; the employer's share is usually listed under employer contributions or employer-paid benefits. If your stub shows per-check amounts, multiply by the number of checks in a month first. Employers commonly cover 70 to 85% for employee-only coverage and less for family plans.
When you'd use it
• Comparing two offers where the salaries are close but one employer pays far more of the premium.
• Putting a real number on "great benefits" before you weigh it against a higher base somewhere else.
• Filling in the employer-paid benefits figure for the total compensation calculator.
Benefits are part of the picture. Whether the salary underneath them is right for your role and state is the rest. Two minutes, free.
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What It Pays™ provides pay data and tools for informational and educational purposes only. It is not legal, tax, financial, or employment advice. Salary figures are estimates drawn from government-published data and may not reflect any specific employer or offer.