How this calculator works
The calculator measures the increase in monthly take-home pay, not the headline salary increase. It then shows three scenarios that direct 25%, 50% or 75% of that net increase towards financial goals, leaving the remainder available for lifestyle.
If you add an emergency-fund gap and high-interest debt balance, the calculator also shows how long the middle 50% scenario would take to cover that combined priority amount before interest.
How to use it
- Enter old and new monthly take-home pay.
- Add your current monthly saving for context.
- Optionally enter the emergency-fund gap and high-interest debt balance you want the raise to help address.
- Compare the 25%, 50% and 75% goal-focused scenarios.
- Automate your chosen split from the first higher payday.
Assumptions and limitations
The scenarios are planning illustrations, not recommendations. The tool does not calculate tax, benefits or pension effects from salary itself because it starts from take-home income. The priority-payoff months ignore debt interest and assume the selected amount is paid consistently.