The lifetime value
of a raise.
See the compounded value of a raise across your full career. Higher 401(k) contributions, higher future raises on a larger base, higher Social Security benefit. The number that makes the negotiation conversation easier.
The salary trajectory chart compares with and without the raise, showing the divergence as the higher base compounds through future raises. Social Security and employer match are estimated; use Tax Estimator for precise withholding numbers. verify×DON'T TRUST, VERIFYClaim: 7% is a reasonable long-run real return for US equity index funds; historical S&P returns average ~10% nominal, ~7% real.Verify at: SEC long-run return data ↗Past returns do not guarantee future returns.
What this tool assumes
- Savings-rate multiplier assumes any raise is partially saved at the rate you enter.
- Investment-return rate on saved raises is constant.
- Tax impact of the raise is not modeled in the long-term value projection.
Not financial advice. Assumes consistent employment and investment at the stated rates.
HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.