Posting this because the numbers floating around from 2023/2024 are stale and the structure at JPMC is genuinely confusing if you're coming from a pure-equity shop.
Recent offer data I've collected (mostly NYC, some Plano/Jersey City, all 2026):
Software Engineer III (effectively senior, ~5-8 YOE): NYC: base $175k-$195k, annual cash bonus 10-20% of base (discretionary, not guaranteed), RSU grant $60k-$100k vesting over 3 years. Total comp at midpoint: $230k-$270k. Plano TX: base $160k-$175k, bonus similar %, RSU $40k-$70k. Total around $190k-$230k.
Software Engineer IV (senior II or staff-adjacent, 8+ YOE): NYC: base $210k-$230k, bonus can reach 25-30% in strong bonus years, RSU $100k-$150k. Total can hit $320k-$360k in a good year.
Key things to understand about JPMC's structure that are NOT obvious: The bonus is real but it's NOT guaranteed. It's a variable comp tied to firm performance and line-of-business performance. 2024 bonuses were strong because the firm had a great year. Don't budget it as income. RSUs at JPMC cliff less steeply than at FAANG. Many grants are 3-year, some are 4-year, and early vesting pieces can be larger. Read your specific offer carefully. They generally will not compete dollar-for-dollar with Meta/Google RSU grants. They know this. Their pitch is stability, brand, and the bonus upside in good years. That's a real pitch for some people, a dealbreaker for others. 401k match is generous: 5% match, full vest immediately. In a high-comp world that's actually meaningful.
If you got a competing offer from a FAANG-tier shop and want to bring it to JPMC, they will sometimes move base or pull in RSU grant acceleration. More on that in my next post.