How a $5K Raise Changes Your Retirement

See what negotiating one raise is actually worth by the time you retire.

Your numbers

Change anything below — the result updates as you go.

Your current age

Target retirement age

Annual raise you're negotiating for

Expected annual return

How much of the raise you'd invest100%

The rest is yours to spend. $5,000 a year goes to your future.

By age 60, that raise could be worth

$183,928

That's what negotiating a $5,000 raise today could be worth by the time you're 60.

Based on 20 years of investing at 6% a year.

The same maths, at five different raise amounts.

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These numbers are an illustration, not a promise — real returns move up and down. It's a starting point for the conversation you're about to have.