Pay rise impact calculator
Split a pay rise between spending and investing and see what the invested share compounds to.
$
6.0%
50%
7.0%
20 yr
New salary
$78,440
$4,440 more a year
Invested slice after 20 years
$96,371
From $185 a month
Where the raise lands
- Extra per month, gross
- $370
- Invested each month
- $185
- Kept for spending
- $185
- Growth on the invested slice
- $51,971
Lifestyle absorbs raises quietly. Deciding the split in advance is what makes the difference visible.
How this is calculated
- · The raise is treated gross
- · Only the invested slice is projected
Estimates only — not financial, tax or legal advice.