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How much of that raise is real, after inflation?
Real % raise = (1+nominal) ÷ (1+inflation) − 1. A 5% raise with 3% inflation is only ≈1.94% real.
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50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
Income is what you earn; net worth is what you own minus what you owe. Build net worth by keeping the gap between income and spending positive.
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026