A programmable temperature compensated voltage reference is disclosed. In an exemplary embodiment, an apparatus includes a digital-to-analog converter (DAC) that uses a reference voltage and a code to generate a DAC output voltage. The apparatus also includes a temperature compensator that uses a temperature measurement (T) and the DAC code to generate a temperature compensation signal. The temperature compensation signal is represented by a third order polynomial equation. The apparatus also includes a signal combiner that combines the DAC output voltage and the temperature compensation signal to generate a temperature compensated programmable reference voltage.