Invest your raise calculator
Invest half of every future raise and see the result, without changing what you live on today.
Invested raises after 20 years
Your take-home still grows every year. You only invest 50% of each raise, which reaches $1,884 a month by year 20.
How this calculator works
Each year your salary rises by your raise. The calculator invests your chosen share of the increase (not your whole salary) and grows it.
Your take-home pay still rises each year, so the habit is painless.
Common questions
Why invest raises?
It fights lifestyle creep: spending rising to match every raise.
How do I set it up?
After each raise, increase your 401(k) percentage or your recurring transfer by part of the difference.
What share should I invest?
Half is a popular starting point. Any share builds up over time.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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