2011统计：Consulting和Banking到底能赚多少钱？

OriginalStorm

有不少同学希望借住北美top b-school希望能够转行去consulting或者banking,那么他们到底能赚多少钱呢？为什么这么多人趋之若鹜呢？在信息发达的当今社会，其实只需要通过简单的Google之后就能得到答案。现在摘录一些有关内容供参考：

2011 Consulting Pay:
http://managementconsulted.com/consulting-jobs/2011-management-consulting-salaries-undergraduate-post-mba/

For Bain…
Signing Bonus: $20,000
Base: $125,000
Performance Bonus: up to $39,000 for your first year
- – - – -
Total compensation: $184,000


For BCG…
Signing Bonus: $20,000
Base: $135,000
Performance Bonus: up to $40,000 for your first year
Relocation: $2-5,000 depending on distance
- – - – -
Total compensation: at least $197,000


For McKinsey…
Signing Bonus: $20,000
Base: $125,000
Performance Bonus: up to $40,000 for your first year
Relocation: $2-5,000 depending on distance
- – - – -
Total compensation: at least $187,000

Career Ladder in Consulting

Engagement manager/Project leader: $175-250K

Associate principal/Senior project leader: $250-400K

Partner/Principal: $500-800K

Senior partner/Director: $1M plus

总结：MBA毕业第一年，在美国做咨询，你可以期望大约$160K-$200K之间的税前收入。当然，如果你回到国内做，那么薪水可能会略低（特别是在base以外的收入）并且伴随显著增多的工作时间。

2011 Banking Pay:
http://www.careers-in-finance.com/ibsal.htm

First Year Associate$150K - 250K$180KMBA

Third Year Associate$300 - 500K$350KMBA

Vice President$350K - 1MM$700K3-6 years

Director / Principal$400K - 1.5MM $900K5-10 years

Managing Director / Partner$500K - 20 MM$1.5 MM7-10 years

Department head$800K - 70MM$3.5MM10+ years

MBA毕业后第一年的薪水，total package大约在$150-250K, 典型为$180K。相比较咨询，banking的波动较大（自然upside当然也更大），并且可以看到薪水上升空间大，上升速度快。（前提是遇到危机你没有被laid off)。

sean8338

The banking figures posted before include no-name shops.
Bulge bracket number should look more like (roughly):

First Year Associate: 100K + 40K + 10K + 50K = 200K (stub)
Second Year Associate: 130K + 140K = 270K
Third Year Associate: 140K + 170K = 310K
Fourth Year Associate: 150K + 200K = 350K

This is for NYC. HK should be higher and London lower. And the differences should be even more pronounced on an after-tax basis.

-- by 会员 很丑的鬼脸 (2011/11/17 15:59:16)

请问这里说的做banking是指到投行工作么？那么MBA应该是侧重于finance方向吧。另外，在国外读书工作的时候有机会relocation回国么？

sean8338

请问这里说的做banking是指到投行工作么？那么MBA应该是侧重于finance方向吧。另外，在国外读书工作的时候有机会relocation回国么？

fiona8718

楼上的计算is grossly off. 纽约不光有federal tax，还有city和state tax。

纽约做banking乱七八糟扣下来也有接近40%了吧。
请看下面这段引自 http://www.mergersandinquisitions.com/investment-banking-salary/

The NYC Analyst
Let’s start with the base case of a newly minted investment banking analyst in NYC – after this, I’ll explain how it’s different in other regions, outside the US, and for associates on up.
If you earn a $70,000 base salary, that’s $5,800 per month (technically it is $5833.33333 but we’re using round numbers here).
Taxes are different for everyone, but with that level of income in NYC you’ll pay around $2,000 per month (34-35% rate) in federal, state, and city taxes – leaving you with $3,800 in after-tax income each month.
Manhattan is also the most expensive place to live in the US, and at the minimum you’ll spend $1,200 on rent (with a roommate) – but more likely you’ll spend $1,500 to $2,000 on rent.
So now you’re left with $1,800 – $2,300 per month of post-tax, post-rent income.

-- by 会员 wordance (2011/11/17 14:44:16)

You havn't consider medical/dental care, all kinds of insurance fees, and 401K....You won't have much money left...

很丑的鬼脸

The banking figures posted before include no-name shops.
Bulge bracket number should look more like (roughly):

First Year Associate: 100K + 40K + 10K + 50K = 200K (stub)
Second Year Associate: 130K + 140K = 270K
Third Year Associate: 140K + 170K = 310K
Fourth Year Associate: 150K + 200K = 350K

This is for NYC. HK should be higher and London lower. And the differences should be even more pronounced on an after-tax basis.

wordance

楼上的计算is grossly off. 纽约不光有federal tax，还有city和state tax。

纽约做banking乱七八糟扣下来也有接近40%了吧。
请看下面这段引自 http://www.mergersandinquisitions.com/investment-banking-salary/

The NYC Analyst
Let’s start with the base case of a newly minted investment banking analyst in NYC – after this, I’ll explain how it’s different in other regions, outside the US, and for associates on up.
If you earn a $70,000 base salary, that’s $5,800 per month (technically it is $5833.33333 but we’re using round numbers here).
Taxes are different for everyone, but with that level of income in NYC you’ll pay around $2,000 per month (34-35% rate) in federal, state, and city taxes – leaving you with $3,800 in after-tax income each month.
Manhattan is also the most expensive place to live in the US, and at the minimum you’ll spend $1,200 on rent (with a roommate) – but more likely you’ll spend $1,500 to $2,000 on rent.
So now you’re left with $1,800 – $2,300 per month of post-tax, post-rent income.

Tigeroo

在中国上海买房也有地税。如果买的价格和纽约的一样，税不会差太多。但是利息抵税就比较多了。这么算好了：
假设：RMB/USD = 6.34，你基本工资为18万美金，12个月，供房一套1百万美金，15年期贷款额为50万美金，

在中国

   18万美金基本工资，12个月的话，折合RMB 95,100.00/月
   假设五险一金扣 2,500.00 RMB/月
   按最新的税法：http://www.51labour.com/zhuanti/2008protax/
      交税额为： 26,590.00 RMB/月
   无任何抵扣：
   实际交税占工资比为 27.9%
      贷款部分：http://www.aifang.com/calculator/property
      房贷还款   26,737.00 RMB/月
   房产税： 0.4%*70%*634万RMB/年 = 17,752 RMB/年

在美国：你按Married individuals filing separately: http://www.usa-federal-state-individual-tax.com/income_tax_rates.asp
      应缴 25,513.00 RMB/月 （这是没有抵扣前的）已经比国内的低了。
   可以使用这个计算器：http://www.dinkytown.net/java/TaxEZ1040.html
      选Married file jointly, no one can claim me, 你的税大概是33,150.00 USD,
      合每月17,514.00 RMB, 收入的18.4%
   至于什么州税之类的，国内的增值税，奢侈税，都加在你头上呢。只多不少。

骚毛裤

NY will be cheaper, you will have some deduction

-- by 会员 Tigeroo (2011/11/16 23:25:54)

错。deduction也是建立在消费上的。18w年薪已经是最高的tax bracket，税后实际收入远远低于账面。

-- by 会员 骚毛裤 (2011/11/17 7:57:09)

你的买房的贷款的Interest expense可以抵税，家庭为单位如果另一位没收入也可以抵税。算下来比中国便宜。中国这一档45%，除去速扣我记得是29%-30%左右。而美国我记得这样算应该在24%-26%。

-- by 会员 Tigeroo (2011/11/17 9:34:58)

且不说房贷利息扣税有限额, 你买房后每年交的地税就是一大块儿。18w收入的federal tax bracket是33% （另一半没有收入的话你们joint filing是28%），此外还有州税，medicare，social security等杂项。

Tigeroo

NY will be cheaper, you will have some deduction

-- by 会员 Tigeroo (2011/11/16 23:25:54)

错。deduction也是建立在消费上的。18w年薪已经是最高的tax bracket，税后实际收入远远低于账面。

-- by 会员 骚毛裤 (2011/11/17 7:57:09)

你的买房的贷款的Interest expense可以抵税，家庭为单位如果另一位没收入也可以抵税。算下来比中国便宜。中国这一档45%，除去速扣我记得是29%-30%左右。而美国我记得这样算应该在24%-26%。

骚毛裤

所以低base, 高bonus的IB最爽

-- by 会员 smelltheroses (2011/11/17 8:39:14)

bonus一样收税，而且很高。。。