A composite voltage reference with improved temperature stability includes a monolithic voltage reference integrated circuit ("IC"). The voltage reference IC has an internal voltage reference, an internal OpAmp circuit including scaling resistors, a monolithic voltage reference IC temperature coefficient, and a user accessible input to vary a monolithic voltage reference IC output voltage. A second voltage reference has a second voltage reference temperature coefficient lower than the monolithic voltage reference IC temperature coefficient. The second voltage reference is electrically coupled to the user accessible input wherein the temperature coefficient of the composite circuit of the monolithic voltage reference IC and the second voltage reference is improved over the monolithic voltage reference IC temperature coefficient.