Engineering pay is good; engineering pay optimized is better. These tools are for the questions spreadsheets usually answer: comparing offers, modeling stock compensation decay, and deciding between debt payoff and investing.
Convert everything to the same unit: total annual compensation first, then honest hourly (total comp ÷ real hours, including on-call). The salary-to-hourly and ROI calculators cover both conversions. Perks like 401(k) matches belong in the annual number at face value.
Compare guaranteed vs expected return: loan payoff earns the loan APR risk-free. Above ~7–8% APR, payoff usually wins; below ~4%, investing usually wins. Between them it is risk tolerance. The loan payoff and compound interest calculators give you both sides of the comparison.
Enormously, and the compound interest calculator makes it visceral: contributions made in the first 10 years of a 40-year career often end up worth more than everything contributed afterward. Run 25-vs-35 start ages and look at the gap.