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모바일 지원
완전 반응형 — 스마트폰, 태블릿, 데스크톱에서 사용할 수 있습니다.
Understanding your salary in different formats (hourly, monthly, annual) helps you compare job offers, negotiate pay, and plan your budget more effectively.
Key Concepts
Gross vs. Net Pay
Gross pay is your total earnings before deductions. Net pay (take-home pay) is what you actually receive after taxes, insurance, and retirement contributions are subtracted.
Total Compensation
Your salary is only part of your total compensation. Benefits like health insurance, retirement matching, stock options, and paid time off can add 20–40% to the value of your base pay.
Effective Hourly Rate
To truly compare jobs, calculate your effective hourly rate by dividing your annual salary by actual hours worked (including overtime and commute). A higher salary with longer hours may pay less per hour.
Cost of Living Adjustment
A $100,000 salary in a high-cost city may provide less purchasing power than $70,000 in a lower-cost area. Always consider local cost of living when evaluating offers.
Practical Tips
When negotiating salary, research market rates for your role, experience level, and location using salary comparison tools.
Consider the full benefits package, not just base salary — employer retirement matching and health insurance can be worth thousands annually.
Build your budget around your net (take-home) pay, not your gross salary, to avoid overspending.
Factor in commute costs, work-from-home savings, and professional development budgets when comparing job offers.
This content is for educational purposes only and does not constitute financial or career advice.